Preheat the oven to 350°F and grease a standard muffin tin with oil or fill with cupcake liners. Set aside.
In a medium bowl mix the cream cheese, heavy cream, monk fruit, and vanilla together until smooth. Set aside.
Combine all muffin ingredients except chocolate chips in a blender and blend until completely smooth. Stir chocolate chips and divide the batter evenly between the lined muffin tin wells. Distribute the cream cheese mixture evenly onto the tops of the batter, pressing it in slightly.
Bake for about 25-30 minutes, or until a toothpick inserted into the center comes out clean. Remove from the oven and allow to cool in the pan for 5-10 minutes. Loosen the sides by running a knife around the edge and then turn the muffins out to cool completely.