Preheat oven to 400°F (205°C) and line a baking sheet with parchment.
Microwave mozzarella (170 g) + cream cheese (56 g) in 30-sec bursts, stirring until melted and smooth. (Or heat gently in a saucepan.)
In a bowl whisk almond flour (96 g), psyllium (14 g), baking powder, garlic powder, and salt.
Add melted cheese mixture to dry ingredients and stir until a dough forms. Cool 1–2 minutes.
Add 2 eggs one at a time, folding until incorporated. Add cheddar (112 g) and jalapeño; fold until even.
Divide dough into 6 portions, roll into balls, and form holes with your thumb to make bagels. Place on the sheet. Top with 2 tbsp cheddar and seasoning.
Bake 18–22 minutes until set and golden. Cool 10 minutes on a rack before slicing.