<?xml version="1.0" encoding="utf-8"?>
<!-- Created by Charles Hoffman, CPA 2021-04-12 -->
<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:udfrf="http://accounting.auditchain.finance/udfrf" targetNamespace="http://accounting.auditchain.finance/udfrf" elementFormDefault="qualified" attributeFormDefault="unqualified">
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="udfrf-label.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links, all" />
    </appinfo>
  </annotation>

  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />

  <element id="udfrf_Abstract" name="Abstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Adjustment" name="Adjustment" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ArithmeticExpression" name="ArithmeticExpression" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Aspect" name="Aspect" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Axis" name="Axis" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_CalendarPeriodAspect" name="CalendarPeriodAspect" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Concept" name="Concept" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ConceptArrangementPattern" name="ConceptArrangementPattern" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ConceptAspect" name="ConceptAspect" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ConsistencyRule" name="ConsistencyRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_CoreAspect" name="CoreAspect" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_DerivationRule" name="DerivationRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Dimension" name="Dimension" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Disclosure" name="Disclosure" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_DisclosureMechanicsRule" name="DisclosureMechanicsRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_DisclosureRule" name="DisclosureRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Duration" name="Duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Exemplar" name="Exemplar" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Fact" name="Fact" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_FactSet" name="FactSet" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_FactValue" name="FactValue" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Flow" name="Flow" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Grain" name="Grain" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Hypercube" name="Hypercube" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ID" name="ID" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Instant" name="Instant" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Level1NoteTextBlock" name="Level1NoteTextBlock" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Level2PolicyTextBlock" name="Level2PolicyTextBlock" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Level3DisclosureTextBlock" name="Level3DisclosureTextBlock" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_LineItems" name="LineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_MathematicalRule" name="MathematicalRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Member" name="Member" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_MemberAggregation" name="MemberAggregation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_MemberArrangmentPattern" name="MemberArrangmentPattern" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_MemberFlatList" name="MemberFlatList" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_MemberNonaggregation" name="MemberNonaggregation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Network" name="Network" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_NoncoreAspect" name="NoncoreAspect" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_NonnumericFactValue" name="NonnumericFactValue" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_NumericFactValue" name="NumericFactValue" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ParentheticalExplanation" name="ParentheticalExplanation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_PrimaryItems" name="PrimaryItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Property" name="Property" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Prose" name="Prose" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Rendering" name="Rendering" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Report" name="Report" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ReportElement" name="ReportElement" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ReportElementSet" name="ReportElementSet" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ReportLevelRule" name="ReportLevelRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ReportSet" name="ReportSet" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_ReportingEntityAspect" name="ReportingEntityAspect" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_RollForward" name="RollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_RollForwardInfo" name="RollForwardInfo" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_RollUp" name="RollUp" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Rounding" name="Rounding" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Rule" name="Rule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Set" name="Set" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Stock" name="Stock" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Structure" name="Structure" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_StructureArrangementPattern" name="StructureArrangementPattern" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_StructureDefinition" name="StructureDefinition" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_StructureLevelRule" name="StructureLevelRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_StructureRule" name="StructureRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_StructureRuleSet" name="StructureRuleSet" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_SubtypeMappingRule" name="SubtypeMappingRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_SubtypeRule" name="SubtypeRule" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Table" name="Table" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Template" name="Template" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_TextBlock" name="TextBlock" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Thing" name="Thing" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Topic" name="Topic" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Units" name="Units" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
  <element id="udfrf_Variance" name="Variance" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" />
</schema>
