<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 6.5a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: 96Mps7xRiXgen8uDanwsWauPGbP9z5Z8KekhvWBwbenaHyEn+XwTACb94gF2oZYD -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2026" xmlns:us-gaap="http://fasb.org/us-gaap/2026" xmlns:srt="http://fasb.org/srt/2026" xmlns:srt-types="http://fasb.org/srt-types/2026" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:XHLD="http://tenholdingsinc.com/20260630" elementFormDefault="qualified" targetNamespace="http://tenholdingsinc.com/20260630">
    <annotation>
      <appinfo>
        <link:roleType roleURI="http://tenholdingsinc.com/role/Cover" id="Cover">
          <link:definition>00000001 - Document - Cover</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/BalanceSheets" id="BalanceSheets">
          <link:definition>00000002 - Statement - Condensed Consolidated Balance Sheets</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/BalanceSheetsParenthetical" id="BalanceSheetsParenthetical">
          <link:definition>00000003 - Statement - Condensed Consolidated Balance Sheets (Parenthetical)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/StatementsOfOperations" id="StatementsOfOperations">
          <link:definition>00000004 - Statement - Condensed Consolidated Statements of Operations (Unaudited)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/StatementsOfOperationsStatement" id="StatementsOfOperationsStatement">
          <link:definition>00000005 - Statement - Consolidated Statements of Operations (Unaudited)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/StatementsOfStockholdersEquityDeficiency" id="StatementsOfStockholdersEquityDeficiency">
          <link:definition>00000006 - Statement - Condensed Consolidated Statements of Stockholders' Equity (Deficiency) (Unaudited)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/StatementsOfCashFlows" id="StatementsOfCashFlows">
          <link:definition>00000007 - Statement - Condensed Consolidated Statements of Cash Flows (Unaudited)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/OrganizationNatureOfBusiness" id="OrganizationNatureOfBusiness">
          <link:definition>999008 - Disclosure - Organization, Nature of Business</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/SummaryOfSignificantAccountingPolicies" id="SummaryOfSignificantAccountingPolicies">
          <link:definition>999009 - Disclosure - Summary of Significant Accounting Policies</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/PrepaidExpensesAndOtherCurrentAssets" id="PrepaidExpensesAndOtherCurrentAssets">
          <link:definition>999010 - Disclosure - Prepaid Expenses and Other Current Assets</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/PropertyAndEquipmentNet" id="PropertyAndEquipmentNet">
          <link:definition>999011 - Disclosure - Property and Equipment, Net</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/IntangibleAssetsNet" id="IntangibleAssetsNet">
          <link:definition>999012 - Disclosure - Intangible Assets, Net</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/Leases" id="Leases">
          <link:definition>999013 - Disclosure - Leases</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/CommitmentsAndContingencies" id="CommitmentsAndContingencies">
          <link:definition>999014 - Disclosure - Commitments and Contingencies</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/OtherPayablesAndAccruedExpenses" id="OtherPayablesAndAccruedExpenses">
          <link:definition>999015 - Disclosure - Other Payables and Accrued Expenses</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/Short-termLoansRelatedParty" id="Short-termLoansRelatedParty">
          <link:definition>999016 - Disclosure - Short-term Loans &#8211; Related Party</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/NetLossPerShare" id="NetLossPerShare">
          <link:definition>999017 - Disclosure - Net Loss per Share</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/StockholdersEquity" id="StockholdersEquity">
          <link:definition>999018 - Disclosure - Stockholders&#8217; Equity</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/EquityIncentivePlan" id="EquityIncentivePlan">
          <link:definition>999019 - Disclosure - Equity Incentive Plan</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/Revenue" id="Revenue">
          <link:definition>999020 - Disclosure - Revenue</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/CostOfRevenue" id="CostOfRevenue">
          <link:definition>999021 - Disclosure - Cost of Revenue</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ConsultingAndAdvisoryAgreement" id="ConsultingAndAdvisoryAgreement">
          <link:definition>999022 - Disclosure - Consulting and Advisory Agreement</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/SegmentInformation" id="SegmentInformation">
          <link:definition>999023 - Disclosure - Segment Information</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/RelatedParties" id="RelatedParties">
          <link:definition>999024 - Disclosure - Related Parties</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/SubsequentEvents" id="SubsequentEvents">
          <link:definition>999025 - Disclosure - Subsequent Events</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/SummaryOfSignificantAccountingPoliciesPolicies" id="SummaryOfSignificantAccountingPoliciesPolicies">
          <link:definition>999026 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/SummaryOfSignificantAccountingPoliciesTables" id="SummaryOfSignificantAccountingPoliciesTables">
          <link:definition>999027 - Disclosure - Summary of Significant Accounting Policies (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/PrepaidExpensesAndOtherCurrentAssetsTables" id="PrepaidExpensesAndOtherCurrentAssetsTables">
          <link:definition>999028 - Disclosure - Prepaid Expenses and Other Current Assets (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/PropertyAndEquipmentNetTables" id="PropertyAndEquipmentNetTables">
          <link:definition>999029 - Disclosure - Property and Equipment, Net (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/IntangibleAssetsNetTables" id="IntangibleAssetsNetTables">
          <link:definition>999030 - Disclosure - Intangible Assets, Net (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/LeasesTables" id="LeasesTables">
          <link:definition>999031 - Disclosure - Leases (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/OtherPayablesAndAccruedExpensesTables" id="OtherPayablesAndAccruedExpensesTables">
          <link:definition>999032 - Disclosure - Other Payables and Accrued Expenses (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/Short-termLoansRelatedPartyTables" id="Short-termLoansRelatedPartyTables">
          <link:definition>999033 - Disclosure - Short-term Loans &#8211; Related Party (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/NetLossPerShareTables" id="NetLossPerShareTables">
          <link:definition>999034 - Disclosure - Net Loss per Share (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/EquityIncentivePlanTables" id="EquityIncentivePlanTables">
          <link:definition>999035 - Disclosure - Equity Incentive Plan (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/RevenueTables" id="RevenueTables">
          <link:definition>999036 - Disclosure - Revenue (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/CostOfRevenueTables" id="CostOfRevenueTables">
          <link:definition>999037 - Disclosure - Cost of Revenue (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/RelatedPartiesTables" id="RelatedPartiesTables">
          <link:definition>999038 - Disclosure - Related Parties (Tables)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/OrganizationNatureOfBusinessDetailsNarrative" id="OrganizationNatureOfBusinessDetailsNarrative">
          <link:definition>999039 - Disclosure - Organization, Nature of Business (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfEstimatedUsefulLivesOfAssetsDetails" id="ScheduleOfEstimatedUsefulLivesOfAssetsDetails">
          <link:definition>999040 - Disclosure - Schedule of Estimated Useful Lives of Assets (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" id="SummaryOfSignificantAccountingPoliciesDetailsNarrative">
          <link:definition>999041 - Disclosure - Summary of Significant Accounting Policies (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfPrepaidExpensesAndOtherCurrentAssetsDetails" id="ScheduleOfPrepaidExpensesAndOtherCurrentAssetsDetails">
          <link:definition>999042 - Disclosure - Schedule of Prepaid Expenses and Other Current Assets (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfPropertyAndEquipmentDetails" id="ScheduleOfPropertyAndEquipmentDetails">
          <link:definition>999043 - Disclosure - Schedule of Property and Equipment (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/PropertyAndEquipmentNetDetailsNarrative" id="PropertyAndEquipmentNetDetailsNarrative">
          <link:definition>999044 - Disclosure - Property and Equipment, Net (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfIntangibleAssetsDetails" id="ScheduleOfIntangibleAssetsDetails">
          <link:definition>999045 - Disclosure - Schedule of Intangible Assets (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/IntangibleAssetsNetDetailsNarrative" id="IntangibleAssetsNetDetailsNarrative">
          <link:definition>999046 - Disclosure - Intangible Assets, Net (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfOperatingLeaseDetails" id="ScheduleOfOperatingLeaseDetails">
          <link:definition>999047 - Disclosure - Schedule of Operating Lease (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfMaturitiesOfOperatingLeaseLiabilitiesDetails" id="ScheduleOfMaturitiesOfOperatingLeaseLiabilitiesDetails">
          <link:definition>999048 - Disclosure - Schedule of Maturities of Operating Lease Liabilities (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfOperatingLeaseCostDetails" id="ScheduleOfOperatingLeaseCostDetails">
          <link:definition>999049 - Disclosure - Schedule of Operating Lease Cost (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/LeasesDetailsNarrative" id="LeasesDetailsNarrative">
          <link:definition>999050 - Disclosure - Leases (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfOtherPayablesAndAccruedExpensesDetails" id="ScheduleOfOtherPayablesAndAccruedExpensesDetails">
          <link:definition>999051 - Disclosure - Schedule of Other Payables and Accrued Expenses (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfShort-termLoansDetails" id="ScheduleOfShort-termLoansDetails">
          <link:definition>999052 - Disclosure - Schedule of Short-term Loans (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/Short-termLoansRelatedPartyDetailsNarrative" id="Short-termLoansRelatedPartyDetailsNarrative">
          <link:definition>999053 - Disclosure - Short-term Loans &#8211; Related Party (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfNetLossPerShareDetails" id="ScheduleOfNetLossPerShareDetails">
          <link:definition>999054 - Disclosure - Schedule of Net Loss per Share (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfDilutiveSecuritiesExcludedFromComputationOfNetLossDetails" id="ScheduleOfDilutiveSecuritiesExcludedFromComputationOfNetLossDetails">
          <link:definition>999055 - Disclosure - Schedule of Dilutive Securities Excluded from Computation of Net Loss (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/StockholdersEquityDetailsNarrative" id="StockholdersEquityDetailsNarrative">
          <link:definition>999056 - Disclosure - Stockholders&#8217; Equity (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfAssumptionsUsedToEstimateFairValueOfStockOptionDetails" id="ScheduleOfAssumptionsUsedToEstimateFairValueOfStockOptionDetails">
          <link:definition>999057 - Disclosure - Schedule of Assumptions Used to Estimate the Fair Value of the Stock Option (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/EquityIncentivePlanDetailsNarrative" id="EquityIncentivePlanDetailsNarrative">
          <link:definition>999058 - Disclosure - Equity Incentive Plan (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfDisaggregationOfRevenueDetails" id="ScheduleOfDisaggregationOfRevenueDetails">
          <link:definition>999059 - Disclosure - Schedule of Disaggregation of Revenue (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfActivityInDeferredRevenueDetails" id="ScheduleOfActivityInDeferredRevenueDetails">
          <link:definition>999060 - Disclosure - Schedule of Activity In Deferred Revenue (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfDisaggregationOfCostOfRevenueDetails" id="ScheduleOfDisaggregationOfCostOfRevenueDetails">
          <link:definition>999061 - Disclosure - Schedule of Disaggregation of Cost of Revenue (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ConsultingAndAdvisoryAgreementDetailsNarrative" id="ConsultingAndAdvisoryAgreementDetailsNarrative">
          <link:definition>999062 - Disclosure - Consulting and Advisory Agreement (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfRelatedPartiesMaterialBalancesAndTransactionsDetails" id="ScheduleOfRelatedPartiesMaterialBalancesAndTransactionsDetails">
          <link:definition>999063 - Disclosure - Schedule of Related Parties Material Balances and Transactions (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/ScheduleOfRelatedPartyBalancesDetails" id="ScheduleOfRelatedPartyBalancesDetails">
          <link:definition>999064 - Disclosure - Schedule of Related Party Balances (Details)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:roleType roleURI="http://tenholdingsinc.com/role/SubsequentEventsDetailsNarrative" id="SubsequentEventsDetailsNarrative">
          <link:definition>999065 - Disclosure - Subsequent Events (Details Narrative)</link:definition>
          <link:usedOn>link:presentationLink</link:usedOn>
          <link:usedOn>link:calculationLink</link:usedOn>
          <link:usedOn>link:definitionLink</link:usedOn>
        </link:roleType>
        <link:linkbaseRef xlink:type="simple" xlink:href="xhld-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="xhld-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="xhld-20260630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="xhld-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd" />
    <import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd" />
    <import namespace="http://fasb.org/us-types/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-types-2026.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2026" schemaLocation="https://xbrl.sec.gov/country/2026/country-2026.xsd" />
    <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="XHLD_TwoCustomerMember" name="TwoCustomerMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_ThreeCustomerMember" name="ThreeCustomerMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_ThreeSupplierMember" name="ThreeSupplierMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_TwoSupplierMember" name="TwoSupplierMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_FiveSupplierMember" name="FiveSupplierMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_CapitalizedSoftwareMember" name="CapitalizedSoftwareMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_UnderApplicationDevelopmentStageMember" name="UnderApplicationDevelopmentStageMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_VCubeIncMember" name="VCubeIncMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_WizlearnTechnologiesPteLtdMember" name="WizlearnTechnologiesPteLtdMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_PaveEducationPteLtdMember" name="PaveEducationPteLtdMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_NaoakiMashitaOneMember" name="NaoakiMashitaOneMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_NaoakiMashitaTwoMember" name="NaoakiMashitaTwoMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_PurchaseAgreementMember" name="PurchaseAgreementMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_CommonStockPurchaseAgreementMember" name="CommonStockPurchaseAgreementMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_PlatformUsageMember" name="PlatformUsageMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_ProfessionalAndManagedServicesMember" name="ProfessionalAndManagedServicesMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_ConsultingAndServicesAgreementMember" name="ConsultingAndServicesAgreementMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_SpiritAdvisorsLLCMember" name="SpiritAdvisorsLLCMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_NaoakiMashitaMember" name="NaoakiMashitaMember" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_StockIssuedDuringPeriodSharesIssuanceOfValuesInSettlementOfClaims" name="StockIssuedDuringPeriodSharesIssuanceOfValuesInSettlementOfClaims" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_StockIssuedDuringPeriodSharesIssuanceOfSharesInSettlementOfClaims" name="StockIssuedDuringPeriodSharesIssuanceOfSharesInSettlementOfClaims" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_SettlementOfDebtThroughOffsettingWithReceivableDueFromRelatedParty" name="SettlementOfDebtThroughOffsettingWithReceivableDueFromRelatedParty" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_DisclosureLeasesAbstract" name="DisclosureLeasesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_DisclosureCostOfRevenueAbstract" name="DisclosureCostOfRevenueAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_DisclosureOfCostOfRevenueTextBlock" name="DisclosureOfCostOfRevenueTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_DisclosureConsultingAndAdvisoryAgreementAbstract" name="DisclosureConsultingAndAdvisoryAgreementAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_DisclosureOfConsultingAndAdvisoryAgreementTextBlock" name="DisclosureOfConsultingAndAdvisoryAgreementTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_DeferredRevenuePolicyTextBlock" name="DeferredRevenuePolicyTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock" name="ScheduleOfEstimatedUsefulLivesOfAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_OperatingLeaseOfLesseeDisclosureTextBlock" name="OperatingLeaseOfLesseeDisclosureTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_ScheduleOfDisaggregationOfCostOfRevenueTableTextBlock" name="ScheduleOfDisaggregationOfCostOfRevenueTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_ScheduleOfRelatedPartyBalancesTableTextBlock" name="ScheduleOfRelatedPartyBalancesTableTextBlock" nillable="true" xbrli:periodType="duration" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_OrganizationNatureofBusinessAbstract" name="OrganizationNatureofBusinessAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_OrganizationNatureofBusinessTable" name="OrganizationNatureofBusinessTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="XHLD_OrganizationNatureofBusinessLineItems" name="OrganizationNatureofBusinessLineItems" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_AccountsReceivablePaymentTerm" name="AccountsReceivablePaymentTerm" nillable="true" xbrli:periodType="instant" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_PrepaidExpenses" name="PrepaidExpenses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_PrepaidExpenseDeposits" name="PrepaidExpenseDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_ImpairmentOfIntangibleAssetFinitelived" name="ImpairmentOfIntangibleAssetFinitelived" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_RightofuseAssetsAbstract" name="RightofuseAssetsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_OperatingLeaseLiabilityCarryingAmount" name="OperatingLeaseLiabilityCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_OperatingLeaseRightOfUseAssetCarryingAmount" name="OperatingLeaseRightOfUseAssetCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_AccruedOperatingExpenses" name="AccruedOperatingExpenses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_DeferralOfRevenue" name="DeferralOfRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_DisaggregationofCostofrevenueAbstract" name="DisaggregationofCostofrevenueAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="XHLD_DisaggregationofCostofrevenueTable" name="DisaggregationofCostofrevenueTable" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" />
    <element id="XHLD_DisaggregationofCostofrevenueLineItems" name="DisaggregationofCostofrevenueLineItems" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
</schema>
