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  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd" />
  <xsd:import namespace="https://xbrl.org/2023/calculation-1.1" schemaLocation="https://www.xbrl.org/2023/calculation-1.1.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd-sub/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-sub-2025.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/cyd/2025" schemaLocation="https://xbrl.sec.gov/cyd/2025/cyd-2025.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/cyd-af-sub/2025" schemaLocation="https://xbrl.sec.gov/cyd/2025/cyd-af-sub-2025.xsd" />
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  <xsd:element name="NumberOfCategoriesOfServices" id="yb_NumberOfCategoriesOfServices" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="HongKongAsiaInternationalInsuranceBrokersLimitedMember" id="yb_HongKongAsiaInternationalInsuranceBrokersLimitedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="StockIssuedDuringPeriodSharesRestrictedStockAwardsVested" id="yb_StockIssuedDuringPeriodSharesRestrictedStockAwardsVested" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
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  <xsd:element name="SeriesSeedConvertibleRedeemablePreferredStockMember" id="yb_SeriesSeedConvertibleRedeemablePreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SeriesAngelConvertibleRedeemablePreferredStockMember" id="yb_SeriesAngelConvertibleRedeemablePreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="TemporaryEquityAccretionToPreferredSharesRedemptionValueAdjustment" id="yb_TemporaryEquityAccretionToPreferredSharesRedemptionValueAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ComprehensiveIncomeLossNetOfTaxAvailableToCommonStockholdersBasic" id="yb_ComprehensiveIncomeLossNetOfTaxAvailableToCommonStockholdersBasic" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
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  <xsd:element name="ScheduleOfFiniteLivedAndIndefiniteLivedIntangibleAssetsByMajorClassTableTextBlock" id="yb_ScheduleOfFiniteLivedAndIndefiniteLivedIntangibleAssetsByMajorClassTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
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  <xsd:element name="PrepaidExpenseAndOtherAssetsCurrentGross" id="yb_PrepaidExpenseAndOtherAssetsCurrentGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PrepaidExpenseAndOtherAssetsAllowanceForCreditLoss" id="yb_PrepaidExpenseAndOtherAssetsAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
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  <xsd:element name="AccruedInsurancePremiumsPayables" id="yb_AccruedInsurancePremiumsPayables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CommonStockNumberOfVotesPerShare" id="yb_CommonStockNumberOfVotesPerShare" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LiquidationPreferenceValueWithoutSimpleInterestMember" id="yb_LiquidationPreferenceValueWithoutSimpleInterestMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
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  <xsd:element name="PreOfferingValueOfCompany" id="yb_PreOfferingValueOfCompany" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="MinimumProceedsReceivableFromQualifiedPublicOffering" id="yb_MinimumProceedsReceivableFromQualifiedPublicOffering" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TemporaryEquityRedemptionPriceThresholdPercentageNumberOfDaysSharesHeld" id="yb_TemporaryEquityRedemptionPriceThresholdPercentageNumberOfDaysSharesHeld" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="TemporaryEquityRedemptionPriceDenominatorNumberOfDaysSharesHeld" id="yb_TemporaryEquityRedemptionPriceDenominatorNumberOfDaysSharesHeld" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="TemporaryEquityRedemptionPricePercentageOnOriginalInvestment" id="yb_TemporaryEquityRedemptionPricePercentageOnOriginalInvestment" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="TemporaryEquityLiquidationPreferenceValuePercentageOnIssuePrice" id="yb_TemporaryEquityLiquidationPreferenceValuePercentageOnIssuePrice" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="TemporaryEquityLiquidationPreferenceValueSimpleInterestOnIssuePrice" id="yb_TemporaryEquityLiquidationPreferenceValueSimpleInterestOnIssuePrice" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfLeaseBalanceSheetDisclosureTableTextBlock" id="yb_ScheduleOfLeaseBalanceSheetDisclosureTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InterestFreeLoansToStaffBeforeAllowanceForCreditLossNoncurrent" id="yb_InterestFreeLoansToStaffBeforeAllowanceForCreditLossNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="ScheduleOfConsolidatedSubsidiariesVariableInterestEntityAndSubsidiariesOfVariableInterestEntityTableTextBlock" id="yb_ScheduleOfConsolidatedSubsidiariesVariableInterestEntityAndSubsidiariesOfVariableInterestEntityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="YuanbaoHongKongLimitedMember" id="yb_YuanbaoHongKongLimitedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="YuanbaoKechuangBeijingTechnologyColtdMember" id="yb_YuanbaoKechuangBeijingTechnologyColtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="YuanbaoShukeBeijingTechnologyColtdMember" id="yb_YuanbaoShukeBeijingTechnologyColtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="YuanbaoInsuranceBrokerageBeijingColtdMember" id="yb_YuanbaoInsuranceBrokerageBeijingColtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ShouxinInsuranceAgencyGuangdongColtdMember" id="yb_ShouxinInsuranceAgencyGuangdongColtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RuiFangMember" id="yb_RuiFangMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BeijingYibaoTechnologyLimitedPartnershipMember" id="yb_BeijingYibaoTechnologyLimitedPartnershipMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PercentageOfEquityInterests" id="yb_PercentageOfEquityInterests" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ServiceFeeAsPercentageOfConsolidatedProfitBeforeTax" id="yb_ServiceFeeAsPercentageOfConsolidatedProfitBeforeTax" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InitialTermOfAgreement" id="yb_InitialTermOfAgreement" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OtherNonCurrentAssetsPolicyTextBlock" id="yb_OtherNonCurrentAssetsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SellingAndMarketingExpensesPolicyPolicyTextBlock" id="yb_SellingAndMarketingExpensesPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="GeneralAndAdministrativeExpensesPolicyPolicyTextBlock" id="yb_GeneralAndAdministrativeExpensesPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OtherNonOperatingIncomeAndExpensesPolicyPolicyTextBlock" id="yb_OtherNonOperatingIncomeAndExpensesPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RelatedPartyPolicyTextBlock" id="yb_RelatedPartyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StatutoryReservesPolicyTextBlock" id="yb_StatutoryReservesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FiniteLivedIntangibleAssetsSalvageValuePercentage" id="yb_FiniteLivedIntangibleAssetsSalvageValuePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="InsuranceDistributionServicesMember" id="yb_InsuranceDistributionServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SystemServicesMember" id="yb_SystemServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CustomerMember" id="yb_CustomerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CustomerBMember" id="yb_CustomerBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CustomerCMember" id="yb_CustomerCMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CustomerDMember" id="yb_CustomerDMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CustomerEMember" id="yb_CustomerEMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccountsReceivableDueUpToThreeMonthsMember" id="yb_AccountsReceivableDueUpToThreeMonthsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccountsReceivableDueThreeToSixMonthsMember" id="yb_AccountsReceivableDueThreeToSixMonthsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccountsReceivableDueSixToTwelveMonthsMember" id="yb_AccountsReceivableDueSixToTwelveMonthsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccountsReceivableDueAboveOneYearMember" id="yb_AccountsReceivableDueAboveOneYearMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DeferredTaxAssetsAdvertisingExpense" id="yb_DeferredTaxAssetsAdvertisingExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DeferredTaxAssetsOperatingLeaseLiabilities" id="yb_DeferredTaxAssetsOperatingLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DeferredTaxAssetsRevenueBasisDifference" id="yb_DeferredTaxAssetsRevenueBasisDifference" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DeferredTaxLiabilitiesOffset" id="yb_DeferredTaxLiabilitiesOffset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DeferredTaxLiabilitiesAccruedInterestFairValueChange" id="yb_DeferredTaxLiabilitiesAccruedInterestFairValueChange" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DeferredTaxLiabilitiesOperatingLeaseRightOfUseAssets" id="yb_DeferredTaxLiabilitiesOperatingLeaseRightOfUseAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DeferredTaxLiabilitiesRevenueBasisDifference" id="yb_DeferredTaxLiabilitiesRevenueBasisDifference" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DeferredTaxAssetsOffset" id="yb_DeferredTaxAssetsOffset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AdvertisingExpensePreTaxDeductionLimitationPercentage" id="yb_AdvertisingExpensePreTaxDeductionLimitationPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DeferredTaxAssetsValuationAllowanceRollForward" id="yb_DeferredTaxAssetsValuationAllowanceRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ValuationAllowanceDeferredTaxAssetAdditionsAmount" id="yb_ValuationAllowanceDeferredTaxAssetAdditionsAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ValuationAllowanceDeferredTaxAssetReversalsAmount" id="yb_ValuationAllowanceDeferredTaxAssetReversalsAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TaxesPayableDisclosureAbstract" id="yb_TaxesPayableDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TaxesPayableDisclosureTextBlock" id="yb_TaxesPayableDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfTaxesPayableTableTextBlock" id="yb_ScheduleOfTaxesPayableTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ValueAddedTaxRateMaximum" id="yb_ValueAddedTaxRateMaximum" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SingleReportableSegmentMember" id="yb_SingleReportableSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OperationsAndSupportExpensesMember" id="yb_OperationsAndSupportExpensesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ShortTermInsuranceMember" id="yb_ShortTermInsuranceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MedicalInsuranceMember" id="yb_MedicalInsuranceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CriticalIllnessInsuranceMember" id="yb_CriticalIllnessInsuranceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermInsuranceMember" id="yb_LongTermInsuranceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LifeInsuranceAndOtherLongTermInsuranceMember" id="yb_LifeInsuranceAndOtherLongTermInsuranceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OtherSystemServicesMember" id="yb_OtherSystemServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TaxRateAfterApril12018ProfitsUptoSlabAmountMember" id="yb_TaxRateAfterApril12018ProfitsUptoSlabAmountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TaxRateAfterApril12018ProfitsExceedingSlabAmountMember" id="yb_TaxRateAfterApril12018ProfitsExceedingSlabAmountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IncomeTaxProfitsSlabAmount" id="yb_IncomeTaxProfitsSlabAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PreferentialIncomeTaxRate" id="yb_PreferentialIncomeTaxRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EnterpriseIncomeTaxLawSoftwareEnterpriseFullExemptionTerm" id="yb_EnterpriseIncomeTaxLawSoftwareEnterpriseFullExemptionTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EnterpriseIncomeTaxLawSoftwareEnterpriseReducedRate" id="yb_EnterpriseIncomeTaxLawSoftwareEnterpriseReducedRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EnterpriseIncomeTaxLawSoftwareEnterpriseReducedRateTerm" id="yb_EnterpriseIncomeTaxLawSoftwareEnterpriseReducedRateTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="HighAndNewTechnologyEnterprisesRenewalCycle" id="yb_HighAndNewTechnologyEnterprisesRenewalCycle" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OperatingLossCarryforwardsExpirationPeriod" id="yb_OperatingLossCarryforwardsExpirationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OperatingLossCarryforwardsExpirationPeriodForHnteEntities" id="yb_OperatingLossCarryforwardsExpirationPeriodForHnteEntities" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EffectiveIncomeTaxReconciliationChangeDueToDifferentSubsidiaryTaxRatesAmount" id="yb_EffectiveIncomeTaxReconciliationChangeDueToDifferentSubsidiaryTaxRatesAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IncomeTaxTable" id="yb_IncomeTaxTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IncomeTaxesLineItems" id="yb_IncomeTaxesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WithholdingTaxRate" id="yb_WithholdingTaxRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="MinimumPercentageOfForeignInvestorOwnershipInSharesOfForeignInvestedEntity" id="yb_MinimumPercentageOfForeignInvestorOwnershipInSharesOfForeignInvestedEntity" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RestrictedNetAssetsAbstract" id="yb_RestrictedNetAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AnnualAppropriationOfGeneralReserveFundAndStatutorySurplus" id="yb_AnnualAppropriationOfGeneralReserveFundAndStatutorySurplus" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ProceedsFromMaturitiesOfTimeDeposits" id="yb_ProceedsFromMaturitiesOfTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ProceedsFromSubsidiaries" id="yb_ProceedsFromSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TemporaryEquityReversalOfAccretionToRedemptionValueAdjustment" id="yb_TemporaryEquityReversalOfAccretionToRedemptionValueAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TemporaryEquityReversalOfAccretionToPreferredSharesRedemptionValueAdjustment" id="yb_TemporaryEquityReversalOfAccretionToPreferredSharesRedemptionValueAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AccountingPoliciesTable" id="yb_AccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccountingPoliciesLineItems" id="yb_AccountingPoliciesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SubsidiariesAndVariableInterestEntityMember" id="yb_SubsidiariesAndVariableInterestEntityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InterestFreeLoansToStaffAmortizationTerm" id="yb_InterestFreeLoansToStaffAmortizationTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CashHeldAtBank" id="yb_CashHeldAtBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CashAndCashEquivalentsPercentage" id="yb_CashAndCashEquivalentsPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsDiscountForLackOfMarketabilityMinimum" id="yb_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsDiscountForLackOfMarketabilityMinimum" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsDiscountForLackOfMarketabilityMaximum" id="yb_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsDiscountForLackOfMarketabilityMaximum" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageGrantDateFairValue" id="yb_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageGrantDateFairValue" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PaymentsToAcquireTimeDeposits" id="yb_PaymentsToAcquireTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PreferredStockRedemptionValueAccretion" id="yb_PreferredStockRedemptionValueAccretion" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PaymentsOnShortTermInvestmentsAndTimeDeposits" id="yb_PaymentsOnShortTermInvestmentsAndTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DeductibleValueAddedTaxInput" id="yb_DeductibleValueAddedTaxInput" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfReportableSegmentsNotDisclosedFlag" id="yb_NumberOfReportableSegmentsNotDisclosedFlag" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InsurancePoliciesTerm" id="yb_InsurancePoliciesTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InsurancePoliciesRefundPeriod" id="yb_InsurancePoliciesRefundPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InsuranceDistributionServicesPaymentTerm" id="yb_InsuranceDistributionServicesPaymentTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SystemServicesPaymentTerm" id="yb_SystemServicesPaymentTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StatutorySurplusFundMinimumContributionPercentage" id="yb_StatutorySurplusFundMinimumContributionPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StatutorySurplusFundMaximumContributionPercentage" id="yb_StatutorySurplusFundMaximumContributionPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="GeneralReserveFundMinimumContributionPercentage" id="yb_GeneralReserveFundMinimumContributionPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="GeneralReserveFundMaximumContributionPercentage" id="yb_GeneralReserveFundMaximumContributionPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ReDesignationOfOrdinarySharesIntoClassesShares" id="yb_ReDesignationOfOrdinarySharesIntoClassesShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ReDesignationOfOrdinarySharesIntoClassesValue" id="yb_ReDesignationOfOrdinarySharesIntoClassesValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IncomeTaxReconciliationTaxExemptIncomeOrNondeductibleExpenses" id="yb_IncomeTaxReconciliationTaxExemptIncomeOrNondeductibleExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="IncomeTaxReconciliationPreferentialIncomeTaxRate" id="yb_IncomeTaxReconciliationPreferentialIncomeTaxRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IncomeTaxReconciliationTaxExemptIncomeOrNondeductibleExpensesOther" id="yb_IncomeTaxReconciliationTaxExemptIncomeOrNondeductibleExpensesOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="IncomeTaxReconciliationWithholdingIncomeTax" id="yb_IncomeTaxReconciliationWithholdingIncomeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationTaxExemptIncomeOrNondeductibleExpensesPercent" id="yb_EffectiveIncomeTaxRateReconciliationTaxExemptIncomeOrNondeductibleExpensesPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationPreferentialIncomeTaxRatePercent" id="yb_EffectiveIncomeTaxRateReconciliationPreferentialIncomeTaxRatePercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationOtherTaxExemptIncomeOrNondeductibleExpensesPercent" id="yb_EffectiveIncomeTaxRateReconciliationOtherTaxExemptIncomeOrNondeductibleExpensesPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationWithholdingIncomeTaxPercent" id="yb_EffectiveIncomeTaxRateReconciliationWithholdingIncomeTaxPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="GuaranteedDepositNationalAdministrationOfFinancialRegulationMember" id="yb_GuaranteedDepositNationalAdministrationOfFinancialRegulationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GuaranteedDepositForeignExchangeSettlementContractsMember" id="yb_GuaranteedDepositForeignExchangeSettlementContractsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommonStockValueAuthorized" id="yb_CommonStockValueAuthorized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ClassOfStockUndesignatedMember" id="yb_ClassOfStockUndesignatedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommonStockConversionRatio" id="yb_CommonStockConversionRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="TemporaryEquityNumberOfSharesConverted" id="yb_TemporaryEquityNumberOfSharesConverted" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="TemporaryEquityConversionRatio" id="yb_TemporaryEquityConversionRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="StockIssuedDuringPeriodSharesReclassificationFromOrdinarySharesToClassOfStock" id="yb_StockIssuedDuringPeriodSharesReclassificationFromOrdinarySharesToClassOfStock" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FairValueAdjustmentOfFinancialInstruments" id="yb_FairValueAdjustmentOfFinancialInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LechengshiInsuranceBrokerageCoLtdMember" id="yb_LechengshiInsuranceBrokerageCoLtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TemporaryEquityValueOfSharesConverted" id="yb_TemporaryEquityValueOfSharesConverted" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PaymentsToFundLoansToSubsidiaries" id="yb_PaymentsToFundLoansToSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LesseeOperatingLeaseLeaseNotYetCommencedNumber" id="yb_LesseeOperatingLeaseLeaseNotYetCommencedNumber" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BankDepositsNoncurrent" id="yb_BankDepositsNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="IncomeTaxReconciliationAdditionalDeductionForResearchAndDevelopmentExpenses" id="yb_IncomeTaxReconciliationAdditionalDeductionForResearchAndDevelopmentExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationAdditionalDeductionForResearchAndDevelopmentExpensesPercent" id="yb_EffectiveIncomeTaxRateReconciliationAdditionalDeductionForResearchAndDevelopmentExpensesPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="OrdinarySharesNumberOfSharesDesignated" id="yb_OrdinarySharesNumberOfSharesDesignated" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PaymentsForCapitalContributionToWhollyOwnedSubsidiaries" id="yb_PaymentsForCapitalContributionToWhollyOwnedSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AmountsDueFromSubsidiariesCurrent" id="yb_AmountsDueFromSubsidiariesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AmountsDueToSubsidiariesCurrent" id="yb_AmountsDueToSubsidiariesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PrepaidStaffCompensationNonCurrent" id="yb_PrepaidStaffCompensationNonCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="WithheldIndividualIncomeTaxesPayableCurrent" id="yb_WithheldIndividualIncomeTaxesPayableCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AssetAcquisitionPrepaidConsiderationNoncurrent" id="yb_AssetAcquisitionPrepaidConsiderationNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MarketingAndRelatedAnalyticalServicesMember" id="yb_MarketingAndRelatedAnalyticalServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LongTermBankDepositsPolicyPolicyTextBlock" id="yb_LongTermBankDepositsPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AccountsReceivableCreditLossExpense" id="yb_AccountsReceivableCreditLossExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AccountsReceivableCreditLossReversal" id="yb_AccountsReceivableCreditLossReversal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="YuanbaoShukeBeijingTechnologyCoLtdAndYuanbaoKechuangBeijingTechnologyCo.Ltd.Member" id="yb_YuanbaoShukeBeijingTechnologyCoLtdAndYuanbaoKechuangBeijingTechnologyCo.Ltd.Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccruedWithholdingIncomeTaxAmount" id="yb_AccruedWithholdingIncomeTaxAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IntangibleAssetAmortizationExpenseNet" id="yb_IntangibleAssetAmortizationExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PrepaymentsToAcquireProductiveAssets" id="yb_PrepaymentsToAcquireProductiveAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AssetAcquisitionVotingEquityInterestAcquiredPercentage" id="yb_AssetAcquisitionVotingEquityInterestAcquiredPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
</xsd:schema>
