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  <xs:element id="rskd_PaymentsOfOtherStockIssuanceCosts" abstract="false" name="PaymentsOfOtherStockIssuanceCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_CommonStockVotesForEachShare" abstract="false" name="CommonStockVotesForEachShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rskd_RevenueTermOfMerchantContract" abstract="false" name="RevenueTermOfMerchantContract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rskd_ChargebackExpense" abstract="false" name="ChargebackExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_ClassOfWarrantOrRightVestingPeriod" abstract="false" name="ClassOfWarrantOrRightVestingPeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rskd_ClassOfWarrantOrRightVestedAndExercisable" abstract="false" name="ClassOfWarrantOrRightVestedAndExercisable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="rskd_ClassOfWarrantOrRightVestingInstallments" abstract="false" name="ClassOfWarrantOrRightVestingInstallments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rskd_ClassOfWarrantOrRightUnrecognizedGrantDateFairValue" abstract="false" name="ClassOfWarrantOrRightUnrecognizedGrantDateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_CustomerAMember" abstract="true" name="CustomerAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_CustomerCMember" abstract="true" name="CustomerCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_FurnitureAndOfficeEquipmentMember" abstract="true" name="FurnitureAndOfficeEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_ReportableSegmentMember" abstract="true" name="ReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_ChargebacksNet" abstract="false" name="ChargebacksNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_OperatingExpensesPayrollCosts" abstract="false" name="OperatingExpensesPayrollCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_OperatingExpensesNonPayrollCosts" abstract="false" name="OperatingExpensesNonPayrollCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_ReviewServiceRevenueMember" abstract="true" name="ReviewServiceRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_IndemnificationServiceRevenueMember" abstract="true" name="IndemnificationServiceRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_MovementInDeferredContractAcquisitionCostsRollForward" abstract="true" name="MovementInDeferredContractAcquisitionCostsRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rskd_IncreaseDecreaseToDeferredContractAcquisitionCosts" abstract="false" name="IncreaseDecreaseToDeferredContractAcquisitionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_CapitalizedDeferredContractAcquisitionCostAmortization" abstract="false" name="CapitalizedDeferredContractAcquisitionCostAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_DeferredContractAcquisitionCostImpairmentLoss" abstract="false" name="DeferredContractAcquisitionCostImpairmentLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_MovementInDeferredContractFulfillmentCostsRollForward" abstract="true" name="MovementInDeferredContractFulfillmentCostsRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rskd_DeferredContractFulfillmentCostsNoncurrent" abstract="false" name="DeferredContractFulfillmentCostsNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_IncreaseDecreaseToDeferredContractFulfillmentCosts" abstract="false" name="IncreaseDecreaseToDeferredContractFulfillmentCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_DeferredContractFulfillmentCostsAmortizationExpense" abstract="false" name="DeferredContractFulfillmentCostsAmortizationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_DeferredContractFulfillmentCostsImpairmentLoss" abstract="false" name="DeferredContractFulfillmentCostsImpairmentLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_GovernmentBondsMember" abstract="true" name="GovernmentBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_NonIsraelAndNonUSMember" abstract="true" name="NonIsraelAndNonUSMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_ContractualObligationTerm" abstract="false" name="ContractualObligationTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rskd_GuarantorObligationsPercentageOfGuaranteesPaid" abstract="false" name="GuarantorObligationsPercentageOfGuaranteesPaid" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rskd_GuarantorObligationsChargebackExpense" abstract="false" name="GuarantorObligationsChargebackExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_WarrantIssuedToCustomersMember" abstract="true" name="WarrantIssuedToCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_ShareBasedPaymentArrangementOptionAndRestrictedStockUnitsMember" abstract="true" name="ShareBasedPaymentArrangementOptionAndRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_A2013EquityIncentivePlanMember" abstract="true" name="A2013EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_A2021EquityIncentivePlanMember" abstract="true" name="A2021EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_ShareRepurchaseProgramMember" abstract="true" name="ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_A2021EmployeeSharePurchasePlanMember" abstract="true" name="A2021EmployeeSharePurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_ShareRepurchaseProgramAuthorizedAmountUtilizedToDate" abstract="false" name="ShareRepurchaseProgramAuthorizedAmountUtilizedToDate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_StockRepurchaseProgramTransactionCosts" abstract="false" name="StockRepurchaseProgramTransactionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_CommonStockCapitalSharesReservedForFutureIssuanceAnnualIncreasePercent" abstract="false" name="CommonStockCapitalSharesReservedForFutureIssuanceAnnualIncreasePercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rskd_CommonStockCapitalSharesReservedForFutureIssuanceMaximumOwnershipPercentage" abstract="false" name="CommonStockCapitalSharesReservedForFutureIssuanceMaximumOwnershipPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rskd_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsNumberOfTranches" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsNumberOfTranches" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rskd_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsStockPriceGoal" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsStockPriceGoal" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="rskd_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsStockPriceRatioComparedToIPOPrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsStockPriceRatioComparedToIPOPrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="rskd_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsNumberOfTranchesEarnedOrVested" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsNumberOfTranchesEarnedOrVested" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rskd_WarrantsToPurchaseOrdinarySharesMember" abstract="true" name="WarrantsToPurchaseOrdinarySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_ExpirationPeriodAxis" abstract="true" name="ExpirationPeriodAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="rskd_ExpirationPeriodDomain" abstract="true" name="ExpirationPeriodDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_TaxYear2042Member" abstract="true" name="TaxYear2042Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_NonIsraelMember" abstract="true" name="NonIsraelMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_EffectiveIncomeTaxRateReconciliationPreferredEnterpriseAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationPreferredEnterpriseAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_EffectiveIncomeTaxRateReconciliationPreferredEnterprisePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationPreferredEnterprisePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rskd_DeferredTaxAssetsLeasingArrangements" abstract="false" name="DeferredTaxAssetsLeasingArrangements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_SeverancePayRate" abstract="false" name="SeverancePayRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rskd_ShareRepurchaseAgreementMember" abstract="true" name="ShareRepurchaseAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rskd_RelatedPartyTransactionSharesToBeRepurchased" abstract="false" name="RelatedPartyTransactionSharesToBeRepurchased" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="rskd_RelatedPartyTransactionRepurchasePriceOfSharesToBeRepurchased" abstract="false" name="RelatedPartyTransactionRepurchasePriceOfSharesToBeRepurchased" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="rskd_ShareRepurchasedProgramAdditionalAuthorizationAmount" abstract="false" name="ShareRepurchasedProgramAdditionalAuthorizationAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rskd_ProvisionForChargebacksMember" abstract="true" name="ProvisionForChargebacksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
