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    <import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd" />
    <import namespace="http://fasb.org/srt-types/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-types-2026.xsd" />
    <element id="FDCT_WealthManagementMember" name="WealthManagementMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_InvestmentAndBrokerageMember" name="InvestmentAndBrokerageMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_SubscriptionReceivableMember" name="SubscriptionReceivableMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ADAdvisoryServicesLtdMember" name="ADAdvisoryServicesLtdMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AlchemyMarketsLtdMember" name="AlchemyMarketsLtdMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AlchemyPrimeLtdMember" name="AlchemyPrimeLtdMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AlchemytechLtdMember" name="AlchemytechLtdMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AlchemyInternationalLtdMember" name="AlchemyInternationalLtdMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_XoalaAsiaMember" name="XoalaAsiaMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PrimeIntermarketGroupEurasiaMember" name="PrimeIntermarketGroupEurasiaMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_SalesAndMarketingOneMember" name="SalesAndMarketingOneMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_CustomerMember" name="CustomerMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ShareSaleAgreementMember" name="ShareSaleAgreementMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PeriodEndUSDToAUDMember" name="PeriodEndUSDToAUDMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PeriodEndUSDToEURMember" name="PeriodEndUSDToEURMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PeriodEndUSDToGBPMember" name="PeriodEndUSDToGBPMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AverageEndUSDToAUDMember" name="AverageEndUSDToAUDMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AverageEndUSDToEURMember" name="AverageEndUSDToEURMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AverageEndUSDToGBPMember" name="AverageEndUSDToGBPMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_MrGopeSKundnanaiMember" name="MrGopeSKundnanaiMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AlchemyDMCCMember" name="AlchemyDMCCMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AlchemyPrimeLimitedMember" name="AlchemyPrimeLimitedMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_FDCTechIncMember" name="FDCTechIncMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AILToAlchemyDMCCMember" name="AILToAlchemyDMCCMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_MitchellEaglsteinMember" name="MitchellEaglsteinMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ImranFirozMember" name="ImranFirozMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_SyncCapitalLimitedMember" name="SyncCapitalLimitedMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_BankOfAmericaMember" name="BankOfAmericaMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PaycheckProtectionProgramMember" name="PaycheckProtectionProgramMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_SmallBusinessAdministrationMember" name="SmallBusinessAdministrationMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_IrvineMember" name="IrvineMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_NYMember" name="NYMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ADSOfficeMember" name="ADSOfficeMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_GeneralAndAdministrativeExpensesMember" name="GeneralAndAdministrativeExpensesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ATECHOfficeMember" name="ATECHOfficeMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AMLOfficeMember" name="AMLOfficeMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AMLSalesOfficeMember" name="AMLSalesOfficeMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_APLOfficeMember" name="APLOfficeMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ChiefExecutiveOfficerAndChiefFinancialOfficerMember" name="ChiefExecutiveOfficerAndChiefFinancialOfficerMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_GopeSKundnaniMember" name="GopeSKundnaniMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AlchemyPrimeHoldingsLtdMember" name="AlchemyPrimeHoldingsLtdMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_MitchellMEaglsteinMember" name="MitchellMEaglsteinMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_FelixRHongMember" name="FelixRHongMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_FRHGroupCorpMember" name="FRHGroupCorpMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_WilliamBBarnettMember" name="WilliamBBarnettMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_SusanEEaglsteinMember" name="SusanEEaglsteinMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_NickyGKundnaniMember" name="NickyGKundnaniMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_MitchEaglsteinMember" name="MitchEaglsteinMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_OfficersAndDirectorsMember" name="OfficersAndDirectorsMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_HongHoldingMember" name="HongHoldingMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_FRHGroupMember" name="FRHGroupMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ADSMember" name="ADSMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AMLMember" name="AMLMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_APLMember" name="APLMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ATECHMember" name="ATECHMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AILMember" name="AILMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_CapitalizedSoftwareNet" name="CapitalizedSoftwareNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_FairValueOfTradingPositionsForFirmProfit" name="FairValueOfTradingPositionsForFirmProfit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_BusinessAcquisitionLoan" name="BusinessAcquisitionLoan" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_RelatedPartyAdvances" name="RelatedPartyAdvances" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_SubscriptionReceivable" name="SubscriptionReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_StockIssuedDuringPeriodSeriesBPerferredValuesIssuedForCash" name="StockIssuedDuringPeriodSeriesBPerferredValuesIssuedForCash" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_StockIssuedDuringPeriodSeriesBPerferredSharesIssuedForCash" name="StockIssuedDuringPeriodSeriesBPerferredSharesIssuedForCash" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_CommonStockIssuedForServices" name="CommonStockIssuedForServices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_SeriesBPreferredIssuedForServices" name="SeriesBPreferredIssuedForServices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AcquiredIntangibleAssets" name="AcquiredIntangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_IncreaseDecreaseInCustomerFunds" name="IncreaseDecreaseInCustomerFunds" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_IncreaseDecreaseInAccruedIncome" name="IncreaseDecreaseInAccruedIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_IncreaseDecreaseInRightOfUseAssetLease" name="IncreaseDecreaseInRightOfUseAssetLease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_IncreaseDecreaseInDueToAccruedExpensesRelatedParty" name="IncreaseDecreaseInDueToAccruedExpensesRelatedParty" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PaymentsForProceedsFromChangesInPaidinCapital" name="PaymentsForProceedsFromChangesInPaidinCapital" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ProceedsFromSBALoan" name="ProceedsFromSBALoan" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ProceedsFromPaymentsToMinorityShareholdersInterest" name="ProceedsFromPaymentsToMinorityShareholdersInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_DefinedTermsPolicyTextBlock" name="DefinedTermsPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_RestatementOfPreviouslyIssuedFinancialStatementsPolicyTextBlock" name="RestatementOfPreviouslyIssuedFinancialStatementsPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ScheduleOfNoncontrollingInterestActivityTableTextBlock" name="ScheduleOfNoncontrollingInterestActivityTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ConsolidatedSubsidiariesAbstract" name="ConsolidatedSubsidiariesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_ConsolidatedSubsidiariesFacilityTable" name="ConsolidatedSubsidiariesFacilityTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="FDCT_MinorityInterestOwnershipJurisdiction" name="MinorityInterestOwnershipJurisdiction" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_MinorityInterestOwnershipPrimaryBusiness" name="MinorityInterestOwnershipPrimaryBusiness" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_MinorityInterestOwnershipMarketsServed" name="MinorityInterestOwnershipMarketsServed" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_MinorityInterestOwnershipTechnology" name="MinorityInterestOwnershipTechnology" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_BusinessDescriptionAndNatureOfOperationsAbstract" name="BusinessDescriptionAndNatureOfOperationsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_BusinessDescriptionAndNatureOfOperationsTable" name="BusinessDescriptionAndNatureOfOperationsTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="FDCT_RebateIncomeEarned" name="RebateIncomeEarned" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PercentageOfIncreaseInRevenue" name="PercentageOfIncreaseInRevenue" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AdministrativePenalty" name="AdministrativePenalty" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_WorkingCapitalDeficit" name="WorkingCapitalDeficit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_RelatedPartyTransactionsTable" name="RelatedPartyTransactionsTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="FDCT_BusinessAcquisitionLoanWithheld" name="BusinessAcquisitionLoanWithheld" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_StatementOfIncomeLocationAxis" name="StatementOfIncomeLocationAxis" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" />
    <element id="FDCT_StatementOfIncomeLocationDomain" name="StatementOfIncomeLocationDomain" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PercentageOfRentIncreaseInRenewalPeriod" name="PercentageOfRentIncreaseInRenewalPeriod" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PaymentsForRentMonthlyInstallment" name="PaymentsForRentMonthlyInstallment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_EquityTable" name="EquityTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="FDCT_CommonStockIssuedOutstandingPercentage" name="CommonStockIssuedOutstandingPercentage" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_TitleOfClassDescription" name="TitleOfClassDescription" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_PreferredStockVotingRightsPercentage" name="PreferredStockVotingRightsPercentage" nillable="true" xbrli:periodType="duration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" />
    <element id="FDCT_AccumulatedOtherComprehensiveIncomeLossAbstract" name="AccumulatedOtherComprehensiveIncomeLossAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
</schema>
