Preheat your oven to 350°F (175°C) and line a baking tray with parchment paper.

In a mixing bowl, whisk together the wholemeal flour, cocoa powder, baking powder, and a pinch of salt.

Add the liquid sweetener and yogurt to the dry ingredients. Fold together with a spatula until a sticky dough forms. Use damp hands to squeeze the dough together if needed.

Add the chocolate chips to the dough and knead gently to evenly distribute.

Divide the dough into four equal parts. Roll each piece into a ball and create a hole in the center using your fingers or the back of a whisk.

Place the bagels on the prepared baking tray. Brush with an optional egg wash or milk for a golden, crispy exterior.

Bake in the preheated oven for 20 minutes, or until the bagels are risen and cooked through.

Let the bagels cool slightly before serving.