Prep the air fryer: Preheat your air fryer to 350°F (175°C) for 3–5 minutes. Lightly spray the basket with oil to prevent sticking.

Mix dry ingredients: In a bowl, whisk almond flour, coconut flour, baking powder, and salt to break up lumps.

Melt the cheeses: In a large microwave-safe bowl, add mozzarella and cream cheese. Microwave in 30-second bursts, stirring between each, until fully melted and stretchy, about 1–2 minutes total. Alternatively, melt in a saucepan over low heat, stirring often.

Combine the dough: Quickly stir the dry mixture into the melted cheese. Add 1 beaten egg and the vinegar. Stir until a shaggy dough forms. If it’s too sticky to handle, let it rest for 2–3 minutes to firm up.

Knead lightly: Lightly oil your hands. Knead the dough in the bowl or on a piece of parchment until smooth and uniform. Avoid over-kneading; you just want the flour fully incorporated.

Shape the bagels: Divide dough into 6 equal pieces. Roll each piece into a 6–7 inch rope and pinch the ends together to form a bagel ring. If the dough cracks, smooth it with slightly damp fingers.

Brush and top: Whisk the remaining egg with 1 tablespoon water. Brush the tops of the bagels with the egg wash. Sprinkle generously with everything bagel seasoning or your favorite seeds.

Air fry in batches: Place 3–4 bagels in the air fryer basket, leaving space between each. Cook at 350°F (175°C) for 9–12 minutes, until golden brown and set. Time can vary by air fryer, so start checking at 8 minutes.

Cool slightly: Let bagels rest on a rack for 5–10 minutes to firm up inside. Repeat with the remaining bagels.

Serve: Slice and enjoy warm with cream cheese, butter, or use as the base for breakfast sandwiches.