<?xml version='1.0' encoding='utf-8'?>
<!-- Created by Charles Hoffman, CPA 2021-04-12 -->
<!-- Prototype UDFRF XBRL Arcroles -->
<!-- Subtype Rule (st) 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:drules-arcroles='http://accounting.auditchain.finance/udfrf/st-arcroles'
 targetNamespace='http://accounting.auditchain.finance/udfrf/st-arcroles'
 elementFormDefault='qualified'
 attributeFormDefault='unqualified'>
  <annotation>
    <documentation>Provides arcroles for subtype rules (st) of UDFRF.  Subtype rules indicate the general-special relations between report elements.</documentation>
    <appinfo>
      <link:arcroleType arcroleURI='http://accounting.auditchain.finance/udfrf/st-arcroles/arcrole/summationConcept-disallowedItemConcept' id='summationConcept-disallowedItemConcept' cyclesAllowed='undirected'>
        <link:definition>Indicates that a summation concept is not allowed to have a specific item concept within a roll up.</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>


      <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/st-arcroles/arcrole/class-subClass" id="class-subClass" cyclesAllowed="undirected">
        <link:definition>The class extension of a class description is a subset of the class extension of another class description. Same as OWL definition of subClassOf.  For more information see http://www.w3.org/TR/owl-ref/#subClassOf-def</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/st-arcroles/arcrole/class-equivalentClass" id="class-equivalentClass" cyclesAllowed="undirected">
        <link:definition>Both class extensions contain exactly the same set of individuals. Same as OWL definition of equivalentClass. For more information see http://www.w3.org/TR/owl-ref/#equivalentClass-def</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>

      <!-- Other ontology related -->
        <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/sr-arcroles/arcrole/property-hasProperty" id="property-hasProperty" cyclesAllowed="any">
          <link:definition>Creates a relation between a property and a report element that has that property.</link:definition>
          <link:usedOn>link:definitionArc</link:usedOn>
        </link:arcroleType>
        <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/sr-arcroles/arcrole/property-disjointedProperty" id="property-disjointedProperty" cyclesAllowed="any">
          <link:definition>Creates a relation between a property and another property to indicate that the two properties are disjointed.</link:definition>
          <link:usedOn>link:definitionArc</link:usedOn>
        </link:arcroleType>


      <!-- Organization of topics and disclosures -->

      <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/sr-arcroles/arcrole/heading-heading" id="heading-heading" cyclesAllowed="undirected">
        <link:definition>Heading has subheading</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/sr-arcroles/arcrole/heading-topic" id="heading-topic" cyclesAllowed="undirected">
        <link:definition>Heading has Topic</link:definition>
        <link:usedOn>link:definitionArc</link:usedOn>
      </link:arcroleType>
      <link:arcroleType arcroleURI="http://accounting.auditchain.finance/udfrf/sr-arcroles/arcrole/topic-disclosure" id="topic-disclosure" cyclesAllowed="undirected">
        <link:definition>Topic has disclosure</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>
