<?xml version="1.0" encoding="utf-8"?>
<!-- Created by Charles Hoffman, CPA 2021-04-12 -->
<!-- Manually created -->
<!-- Structure Rule (sr) Arcroles -->
<schema
	xmlns="http://www.w3.org/2001/XMLSchema"
	xmlns:xbrli="http://www.xbrl.org/2003/instance"
	xmlns:link="http://www.xbrl.org/2003/linkbase"
	xmlns:xlink="http://www.w3.org/1999/xlink"
	xmlns:cm-arcroles="http://accounting.auditchain.finance/udfrf/sr-arcroles"
	targetNamespace="http://accounting.auditchain.finance/udfrf/sr-arcroles"
	elementFormDefault="qualified"
	attributeFormDefault="unqualified">
  <annotation>
    <documentation>Provides arcroles for structure rules (sr) rules of UDFRF.  Structure rules indicate that allowed and disallowed relations between the categories of report elements (network, hypercube, dimension, member, line items, concept, abstract) within XBRL presentation relations.</documentation>
    <appinfo>

      <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/sr-arcroles/arcrole/parentCategory-allowedChildCategory" id="parentCategory-allowedChildCategory" cyclesAllowed="any">
        <link:definition>The parent report element category allows this report element category as a child.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/sr-arcroles/arcrole/parentCategory-disallowedChildCategory" id="parentCategory-disallowedChildCategory" cyclesAllowed="any">
        <link:definition>The parent report element category allows this report element category as a child.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/sr-arcroles/arcrole/parentCategory-discouragedChildCategory" id="parentCategory-discouragedChildCategory" cyclesAllowed="any">
        <link:definition>The parent report element category discourages this report element category as a child (warning).</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>


    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
</schema>
