Biobased-functionalized metal−organic frameworks (Bio-FUN-MOFs) stand out from the crowd of candidates in the flame-retardant field due to their multipathway flame-retardant mechanisms and green synthesis processes. However, exploring and designing Bio-FUN-MOFs tend to counteract the problem of compromising the flame-retardant advantages of MOFs themselves, which inevitably results in a waste of resources. Herein, a strategy in which MOFs are ecologically regulated through acid−base balance is presented for controllable preparation of Bio-FUN-MOFs by two birds with one stone, i.e., higher flame-retardant element loading and retention of more MOF structures. Specifically, the buffer layer is created on the periphery of ZIF-67 by weak etching of biobased alkali arginine to resist the excessive etching of ZIF-67 by phytic acid when loading phosphorus source and to preserve the integrity of internal crystals as much as possible. As a proof of concept, ZIF-67 was almost completely etched out by phytic acid in the absence of arginine. The arginine and phytic acid-functionalized ZIF-67 with yolk@shell structure (ZIF@Arg−Co−PA) obtained by this strategy, as a biobased flame retardant, reduces fire hazards for polyurea composites. At only 5 wt % loading, ZIF@Arg−Co−PA imparted polyurea composites with a limiting oxygen index of 23.2%, and the peaks of heat release rate, total heat release, and total smoke production were reduced by 43.8, 32.3, and 34.3%, respectively, compared to neat polyurea. Additionally, the prepared polyurea composites have acceptable mechanical properties. This work will shed light on the advanced structural design of polymer composites with excellent fire safety, especially environmentally friendly and efficient biobased MOF flame retardants.