<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:6be493de-a3ed-4194-bfb8-16b364ffae44,g:e13710fb-80dc-49df-84fc-c9ac513ae88a-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:exfy="http://www.expensify.com/20240930" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types1="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.expensify.com/20240930">
  <xs:import namespace="http://fasb.org/srt/2024" schemaLocation="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2024" schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/country/2024" schemaLocation="https://xbrl.sec.gov/country/2024/country-2024.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2024" schemaLocation="https://xbrl.sec.gov/dei/2024/dei-2024.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2024" schemaLocation="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="exfy-20240930_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="exfy-20240930_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="exfy-20240930_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="exfy-20240930_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://www.expensify.com/role/Cover">
        <link:definition>0000001 - 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 id="CondensedConsolidatedBalanceSheets" roleURI="http://www.expensify.com/role/CondensedConsolidatedBalanceSheets">
        <link:definition>9952151 - 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 id="CondensedConsolidatedBalanceSheetsParentheticals" roleURI="http://www.expensify.com/role/CondensedConsolidatedBalanceSheetsParentheticals">
        <link:definition>9952152 - Statement - Condensed Consolidated Balance Sheets (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofOperations" roleURI="http://www.expensify.com/role/CondensedConsolidatedStatementsofOperations">
        <link:definition>9952153 - Statement - Condensed Consolidated Statements of Operations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CondensedConsolidatedStatementsofChangesinStockholdersEquity" roleURI="http://www.expensify.com/role/CondensedConsolidatedStatementsofChangesinStockholdersEquity">
        <link:definition>9952154 - Statement - Condensed Consolidated Statements of Changes in 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 id="CondensedConsolidatedStatementsofCashFlows" roleURI="http://www.expensify.com/role/CondensedConsolidatedStatementsofCashFlows">
        <link:definition>9952155 - Statement - Condensed Consolidated Statements of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GENERALINFORMATION" roleURI="http://www.expensify.com/role/GENERALINFORMATION">
        <link:definition>9952156 - Disclosure - GENERAL 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 id="REVENUEANDCERTAINSTATEMENTOFOPERATIONSCOMPONENTS" roleURI="http://www.expensify.com/role/REVENUEANDCERTAINSTATEMENTOFOPERATIONSCOMPONENTS">
        <link:definition>9952157 - Disclosure - REVENUE AND CERTAIN STATEMENT OF OPERATIONS COMPONENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CERTAINBALANCESHEETCOMPONENTS" roleURI="http://www.expensify.com/role/CERTAINBALANCESHEETCOMPONENTS">
        <link:definition>9952158 - Disclosure - CERTAIN BALANCE SHEET COMPONENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIES" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIES">
        <link:definition>9952159 - 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 id="STOCKINCENTIVEPLANS" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANS">
        <link:definition>9952160 - Disclosure - STOCK INCENTIVE PLANS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INCOMETAXES" roleURI="http://www.expensify.com/role/INCOMETAXES">
        <link:definition>9952161 - Disclosure - INCOME TAXES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NETLOSSPERSHARE" roleURI="http://www.expensify.com/role/NETLOSSPERSHARE">
        <link:definition>9952162 - 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 id="EQUITY" roleURI="http://www.expensify.com/role/EQUITY">
        <link:definition>9952163 - Disclosure - 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 id="RELATEDPARTYTRANSACTIONS" roleURI="http://www.expensify.com/role/RELATEDPARTYTRANSACTIONS">
        <link:definition>9952164 - Disclosure - RELATED PARTY TRANSACTIONS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GENERALINFORMATIONPolicies" roleURI="http://www.expensify.com/role/GENERALINFORMATIONPolicies">
        <link:definition>9954471 - Disclosure - GENERAL INFORMATION (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 id="REVENUEANDCERTAINSTATEMENTOFOPERATIONSCOMPONENTSTables" roleURI="http://www.expensify.com/role/REVENUEANDCERTAINSTATEMENTOFOPERATIONSCOMPONENTSTables">
        <link:definition>9954472 - Disclosure - REVENUE AND CERTAIN STATEMENT OF OPERATIONS COMPONENTS (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 id="CERTAINBALANCESHEETCOMPONENTSTables" roleURI="http://www.expensify.com/role/CERTAINBALANCESHEETCOMPONENTSTables">
        <link:definition>9954473 - Disclosure - CERTAIN BALANCE SHEET COMPONENTS (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 id="COMMITMENTSANDCONTINGENCIESTables" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESTables">
        <link:definition>9954474 - Disclosure - COMMITMENTS AND CONTINGENCIES (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 id="STOCKINCENTIVEPLANSTables" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANSTables">
        <link:definition>9954475 - Disclosure - STOCK INCENTIVE PLANS (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 id="NETLOSSPERSHARETables" roleURI="http://www.expensify.com/role/NETLOSSPERSHARETables">
        <link:definition>9954476 - 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 id="GENERALINFORMATIONDetails" roleURI="http://www.expensify.com/role/GENERALINFORMATIONDetails">
        <link:definition>9954477 - Disclosure - GENERAL INFORMATION - (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 id="REVENUEANDCERTAINSTATEMENTOFOPERATIONSCOMPONENTSScheduleofRevenuebyGeographicAreaDetails" roleURI="http://www.expensify.com/role/REVENUEANDCERTAINSTATEMENTOFOPERATIONSCOMPONENTSScheduleofRevenuebyGeographicAreaDetails">
        <link:definition>9954478 - Disclosure - REVENUE AND CERTAIN STATEMENT OF OPERATIONS COMPONENTS - Schedule of Revenue by Geographic Area (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 id="REVENUEANDCERTAINSTATEMENTOFOPERATIONSCOMPONENTSNarrativesDetails" roleURI="http://www.expensify.com/role/REVENUEANDCERTAINSTATEMENTOFOPERATIONSCOMPONENTSNarrativesDetails">
        <link:definition>9954479 - Disclosure - REVENUE AND CERTAIN STATEMENT OF OPERATIONS COMPONENTS - Narratives (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 id="CERTAINBALANCESHEETCOMPONENTSScheduleofOthercurrentassetsDetails" roleURI="http://www.expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofOthercurrentassetsDetails">
        <link:definition>9954480 - Disclosure - CERTAIN BALANCE SHEET COMPONENTS - Schedule of 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 id="CERTAINBALANCESHEETCOMPONENTSScheduleofCapitalizedsoftwarenetDetails" roleURI="http://www.expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofCapitalizedsoftwarenetDetails">
        <link:definition>9954481 - Disclosure - CERTAIN BALANCE SHEET COMPONENTS - Schedule of Capitalized software, net (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 id="CERTAINBALANCESHEETCOMPONENTSNarrativesDetails" roleURI="http://www.expensify.com/role/CERTAINBALANCESHEETCOMPONENTSNarrativesDetails">
        <link:definition>9954482 - Disclosure - CERTAIN BALANCE SHEET COMPONENTS - Narratives (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 id="CERTAINBALANCESHEETCOMPONENTSScheduleofPropertyandequipmentnetDetails" roleURI="http://www.expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofPropertyandequipmentnetDetails">
        <link:definition>9954483 - Disclosure - CERTAIN BALANCE SHEET COMPONENTS - Schedule of Property and equipment, net (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 id="CERTAINBALANCESHEETCOMPONENTSScheduleofAccruedexpensesandotherliabilitiesDetails" roleURI="http://www.expensify.com/role/CERTAINBALANCESHEETCOMPONENTSScheduleofAccruedexpensesandotherliabilitiesDetails">
        <link:definition>9954484 - Disclosure - CERTAIN BALANCE SHEET COMPONENTS - Schedule of Accrued expenses and other 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 id="COMMITMENTSANDCONTINGENCIESNarrativesDetails" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESNarrativesDetails">
        <link:definition>9954485 - Disclosure - COMMITMENTS AND CONTINGENCIES - Narratives (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 id="COMMITMENTSANDCONTINGENCIESScheduleofLeaseCostDetails" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESScheduleofLeaseCostDetails">
        <link:definition>9954486 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of 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 id="COMMITMENTSANDCONTINGENCIESScheduleofOtherInformationRelatedtoLeasesDetails" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESScheduleofOtherInformationRelatedtoLeasesDetails">
        <link:definition>9954487 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Other Information Related to Leases (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 id="COMMITMENTSANDCONTINGENCIESScheduleofCashflowDisclosuresDetails" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESScheduleofCashflowDisclosuresDetails">
        <link:definition>9954488 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Cashflow Disclosures (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 id="COMMITMENTSANDCONTINGENCIESScheduleofLeaseMaturityScheduleDetails" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESScheduleofLeaseMaturityScheduleDetails">
        <link:definition>9954489 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Lease Maturity Schedule (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 id="COMMITMENTSANDCONTINGENCIESScheduleofLeaseMaturityScheduleDetails_1" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESScheduleofLeaseMaturityScheduleDetails_1">
        <link:definition>9954489 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Lease Maturity Schedule (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 id="COMMITMENTSANDCONTINGENCIESAmortizingTermMortgageNarrativesDetails" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESAmortizingTermMortgageNarrativesDetails">
        <link:definition>9954490 - Disclosure - COMMITMENTS AND CONTINGENCIES - Amortizing Term Mortgage Narratives (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 id="COMMITMENTSANDCONTINGENCIESLoanandSecurityAgreementNarrativesDetails" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESLoanandSecurityAgreementNarrativesDetails">
        <link:definition>9954491 - Disclosure - COMMITMENTS AND CONTINGENCIES - Loan and Security Agreement Narratives (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 id="COMMITMENTSANDCONTINGENCIES2024AmendedLoanandSecurityAgreementNarrativesDetails" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIES2024AmendedLoanandSecurityAgreementNarrativesDetails">
        <link:definition>9954492 - Disclosure - COMMITMENTS AND CONTINGENCIES - 2024 Amended Loan and Security Agreement Narratives (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 id="COMMITMENTSANDCONTINGENCIESDefinedContributionPlansNarrativesDetails" roleURI="http://www.expensify.com/role/COMMITMENTSANDCONTINGENCIESDefinedContributionPlansNarrativesDetails">
        <link:definition>9954493 - Disclosure - COMMITMENTS AND CONTINGENCIES - Defined Contribution Plans Narratives (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 id="STOCKINCENTIVEPLANS2009and2019StockOptionPlanNarrativesDetails" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANS2009and2019StockOptionPlanNarrativesDetails">
        <link:definition>9954494 - Disclosure - STOCK INCENTIVE PLANS - 2009 and 2019 Stock Option Plan Narratives (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 id="STOCKINCENTIVEPLANS2021IncentivePlanandMatchingPlanNarrativesDetails" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANS2021IncentivePlanandMatchingPlanNarrativesDetails">
        <link:definition>9954495 - Disclosure - STOCK INCENTIVE PLANS - 2021 Incentive Plan and Matching Plan Narratives (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 id="STOCKINCENTIVEPLANSRSUNarrativesDetails" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANSRSUNarrativesDetails">
        <link:definition>9954496 - Disclosure - STOCK INCENTIVE PLANS - RSU Narratives (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 id="STOCKINCENTIVEPLANSScheduleofRSURollforwardDetails" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANSScheduleofRSURollforwardDetails">
        <link:definition>9954497 - Disclosure - STOCK INCENTIVE PLANS - Schedule of RSU Rollforward (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 id="STOCKINCENTIVEPLANSStockOptionNarrativesDetails" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANSStockOptionNarrativesDetails">
        <link:definition>9954498 - Disclosure - STOCK INCENTIVE PLANS - Stock Option Narratives (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 id="STOCKINCENTIVEPLANSScheduleofStockOptionRollforwardDetails" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANSScheduleofStockOptionRollforwardDetails">
        <link:definition>9954499 - Disclosure - STOCK INCENTIVE PLANS - Schedule of Stock Option Roll-forward (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 id="STOCKINCENTIVEPLANSScheduleofStockBasedCompensationbyAwardTypeDetails" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANSScheduleofStockBasedCompensationbyAwardTypeDetails">
        <link:definition>9954500 - Disclosure - STOCK INCENTIVE PLANS - Schedule of Stock-Based Compensation by Award Type (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 id="STOCKINCENTIVEPLANSScheduleofStockBasedCompensationIncomeStatementLocationDetails" roleURI="http://www.expensify.com/role/STOCKINCENTIVEPLANSScheduleofStockBasedCompensationIncomeStatementLocationDetails">
        <link:definition>9954501 - Disclosure - STOCK INCENTIVE PLANS - Schedule of Stock-Based Compensation Income Statement Location (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 id="INCOMETAXESDetails" roleURI="http://www.expensify.com/role/INCOMETAXESDetails">
        <link:definition>9954502 - Disclosure - INCOME TAXES - (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 id="NETLOSSPERSHAREScheduleofEarningsPerShareBasicandDilutedDetails" roleURI="http://www.expensify.com/role/NETLOSSPERSHAREScheduleofEarningsPerShareBasicandDilutedDetails">
        <link:definition>9954503 - Disclosure - NET LOSS PER SHARE - Schedule of Earnings Per Share, Basic and Diluted (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 id="NETLOSSPERSHARENarrativesDetails" roleURI="http://www.expensify.com/role/NETLOSSPERSHARENarrativesDetails">
        <link:definition>9954504 - Disclosure - NET LOSS PER SHARE - Narratives (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 id="NETLOSSPERSHAREScheduleofAntidilutiveSecuritiesDetails" roleURI="http://www.expensify.com/role/NETLOSSPERSHAREScheduleofAntidilutiveSecuritiesDetails">
        <link:definition>9954505 - Disclosure - NET LOSS PER SHARE - Schedule of Anti-dilutive Securities (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 id="EQUITYDetails" roleURI="http://www.expensify.com/role/EQUITYDetails">
        <link:definition>9954506 - Disclosure - EQUITY (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 id="RELATEDPARTYTRANSACTIONSDetails" roleURI="http://www.expensify.com/role/RELATEDPARTYTRANSACTIONSDetails">
        <link:definition>9954507 - Disclosure - RELATED PARTY TRANSACTIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="exfy_CommonStockLT10Member" abstract="true" name="CommonStockLT10Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_CommonStockLT50Member" abstract="true" name="CommonStockLT50Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_RightOfUseAssets" abstract="false" name="RightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_LeaseLiabilityCurrent" abstract="false" name="LeaseLiabilityCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_LeaseLiabilityNonCurrent" abstract="false" name="LeaseLiabilityNonCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_AdjustmentsToAdditionalPaidInCapitalValueVestingOfEarlyExercisedStockOptions" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalValueVestingOfEarlyExercisedStockOptions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_StockIssuedDuringPeriodSharesRestrictedStockAwardUnitsVesting" abstract="false" name="StockIssuedDuringPeriodSharesRestrictedStockAwardUnitsVesting" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="exfy_GainLossOnImpairmentReceivablesAndSaleOrDisposalOfEquipment" abstract="false" name="GainLossOnImpairmentReceivablesAndSaleOrDisposalOfEquipment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_IncreaseDecreaseInSettlementAssets" abstract="false" name="IncreaseDecreaseInSettlementAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_IncreaseDecreaseInSettlementLiabilities" abstract="false" name="IncreaseDecreaseInSettlementLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_PaymentsForTheRepurchasesOfEarlyExercisedStockOptions" abstract="false" name="PaymentsForTheRepurchasesOfEarlyExercisedStockOptions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_RestrictedCashIncludedInSettlementAssets" abstract="false" name="RestrictedCashIncludedInSettlementAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ScheduleOfCapitalizedSoftwareDevelopmentCostsTableTextBlock" abstract="false" name="ScheduleOfCapitalizedSoftwareDevelopmentCostsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="exfy_AssetsAndLiabilitiesLesseeTableTextBlock" abstract="false" name="AssetsAndLiabilitiesLesseeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="exfy_NumberOfCardPrograms" abstract="false" name="NumberOfCardPrograms" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="exfy_InterchangeMember" abstract="true" name="InterchangeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_RevenueFromContractWithCustomerCashRewardsToCustomer" abstract="false" name="RevenueFromContractWithCustomerCashRewardsToCustomer" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ConsiderationFromVendorsNet" abstract="false" name="ConsiderationFromVendorsNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_ScheduleOfOtherCurrentAssetsTable" abstract="true" name="ScheduleOfOtherCurrentAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="exfy_ExpensifyOrgMember" abstract="true" name="ExpensifyOrgMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_ExpensifyPaymentLLCMember" abstract="true" name="ExpensifyPaymentLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_ScheduleOfOtherCurrentAssetsLineItems" abstract="true" name="ScheduleOfOtherCurrentAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_CardCollateralForFundsHeldForCustomersCurrent" abstract="false" name="CardCollateralForFundsHeldForCustomersCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_RestrictedCashHeldForRelatedPartyCurrent" abstract="false" name="RestrictedCashHeldForRelatedPartyCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_EarnedInterchangeRestrictedCash" abstract="false" name="EarnedInterchangeRestrictedCash" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_CashInTransitForFundsHeldForCustomersCurrent" abstract="false" name="CashInTransitForFundsHeldForCustomersCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_DeferredContractAcquisitionCosts" abstract="false" name="DeferredContractAcquisitionCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_OtherRestrictedCashCurrent" abstract="false" name="OtherRestrictedCashCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_AccruedPartnerPayoutsAndAdvertisingFeesCurrent" abstract="false" name="AccruedPartnerPayoutsAndAdvertisingFeesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_EmployeeStockPurchasePlanPayrollLiability" abstract="false" name="EmployeeStockPurchasePlanPayrollLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_RestrictedCommonStockLiabilityForEarlyStockOptionExercisesCurrent" abstract="false" name="RestrictedCommonStockLiabilityForEarlyStockOptionExercisesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_AccruedCreditCardProcessingFeesCurrent" abstract="false" name="AccruedCreditCardProcessingFeesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_AccruedHostingAndLicenseFeesCurrent" abstract="false" name="AccruedHostingAndLicenseFeesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_NumberOfOperatingLeaseAgreements" abstract="false" name="NumberOfOperatingLeaseAgreements" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="exfy_FinanceLeaseCostsAbstract" abstract="true" name="FinanceLeaseCostsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_FinanceLeaseCost" abstract="false" name="FinanceLeaseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_WeightedAverageRemainingLeaseTermAbstract" abstract="true" name="WeightedAverageRemainingLeaseTermAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_LeasesWeightedAverageDiscountRateAbstract" abstract="true" name="LeasesWeightedAverageDiscountRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract" abstract="true" name="CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="exfy_FinanceLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="FinanceLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_Amended2021TermLoanInitialTermLoanMember" abstract="true" name="Amended2021TermLoanInitialTermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_Amended2021TermLoanDelayedTermLoanMember" abstract="true" name="Amended2021TermLoanDelayedTermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_Amended2021TermLoanMember" abstract="true" name="Amended2021TermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_Amended2024TermLoanMember" abstract="true" name="Amended2024TermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_The2009OptionPlanMember" abstract="true" name="The2009OptionPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_The2019OptionPlanMember" abstract="true" name="The2019OptionPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_The2021IncentivePlanMember" abstract="true" name="The2021IncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_MatchingPlanMember" abstract="true" name="MatchingPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_MatchingPlanOneTwentiethIssuanceMember" abstract="true" name="MatchingPlanOneTwentiethIssuanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_MatchingPlanDiscretionaryContributionsMember" abstract="true" name="MatchingPlanDiscretionaryContributionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_AnnualIncreaseInSharesReservedForIssuanceAsAPercentageOfCommonSharesOutstanding" abstract="false" name="AnnualIncreaseInSharesReservedForIssuanceAsAPercentageOfCommonSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="exfy_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesMatchedByEmployer" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesMatchedByEmployer" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="exfy_A2021StockPlanMember" abstract="true" name="A2021StockPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_NonStatutoryOptionsMember" abstract="true" name="NonStatutoryOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_TenPercentHolderMember" abstract="true" name="TenPercentHolderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_OtherThanTenPercentHolderMember" abstract="true" name="OtherThanTenPercentHolderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedShares" abstract="false" name="StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="exfy_StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedValue" abstract="false" name="StockSubjectToRepurchaseDuringPeriodDueToEarlyExercisedAndNotFullyVestedValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_CommonStockVotingRightPerShare" abstract="false" name="CommonStockVotingRightPerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="exfy_ConversionOfStockNoticePeriod" abstract="false" name="ConversionOfStockNoticePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="exfy_A2022ShareRepurchaseProgramMember" abstract="true" name="A2022ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="exfy_PaymentOfCommitmentsToRelatedParty" abstract="false" name="PaymentOfCommitmentsToRelatedParty" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="exfy_JasonMillsMember" abstract="true" name="JasonMillsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_DavidBarrettMember" abstract="true" name="DavidBarrettMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_DavidBarrettAugust142024PlanMember" abstract="true" name="DavidBarrettAugust142024PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="exfy_DavidBarrettAugust152024PlanMember" abstract="true" name="DavidBarrettAugust152024PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
