Preheat oven to 200C/400F/Gas 6. Line a large cookie sheet with parchment paper or a silicone baking mat and set aside.
Sift or whisk the almond flour and baking powder into a bowl. Set aside.
Place the shredded mozzarella cheese and cream cheese into a medium microwave-safe bowl.
Microwave on high for 30 seconds; stir well. Continue to microwave on high in 30-second increments, stirring well between each increment, until the cheeses are completely melted. Stir until smooth.
Add the almond flour mixture and eggs to the melted cheese and stir well. Be sure to stir quickly to incorporate the ingredients into the cheese mixture before the eggs scramble in the warm dough.
Wash then oil your hands with cooking oil to prevent dough from sticking.
Mix the dough by hand until it is completely smooth and all ingredients are incorporated very well. The dough will be quite sticky.
Cut the dough into 6 equal portions.
With oiled hands, roll each portion of dough out into a log, approximately 10 inches (25cm) long. Form the log into a bagel ring and place it on the lined cookie sheet.
Repeat with the rest of the dough to form a total of 6 bagels.
If using, sprinkle your topping of choice over the bagels. Wipe any excess bagel topping off of the cookie sheet to prevent burning.
Bake the bagels in the preheated oven for 12-14 minutes, until golden brown.
Slice and serve hot with cream cheese or your favorite filling.
Store bagels in an airtight container in the refrigerator for up to 4 days; toast to reheat before serving.