Preheat your oven to 400°F and line a baking sheet with parchment paper. In a small bowl, combine the almond flour and baking powder.

Place the shredded mozzarella and cream cheese in a microwave-safe bowl. Microwave in 30-second intervals, stirring in between, until fully melted and smooth.

Transfer the melted cheeses to a food processor. Add two of the eggs along with the dry ingredients. Process until the dough is smooth and uniform. If it is too wet, add some more almond flour until it is easier to work with.

Turn the dough onto a lightly almond-floured surface. Divide the dough into 8 equal pieces. Roll each piece into a log and form a bagel shape by connecting its ends.

Beat the remaining egg to make an egg wash. Brush the tops of the shaped bagels with the egg wash and sprinkle everything seasoning or sesame seeds on top if using. Place them on the baking sheet and bake for 14-17 minutes, until golden brown and firm.

Remove the bagels from the oven and let them cool completely before slicing and serving.