Preheat the oven to 350°F (175°C). Grease or line an 8×8-inch baking pan with parchment paper and set aside.
Make the brownie layer by whisking together 1 cup fine almond flour, 1/4 cup cocoa powder, 2 tbsp dutch or additional cocoa, 1 tsp baking powder, 1/4 tsp salt, and 2/3 cup granulated erythritol in a bowl.
Add 1/3 cup melted coconut oil or butter, 3 tbsp water or additional oil, and 2 eggs (or 2 flax eggs) to the dry ingredients and mix until evenly combined.
Spread the brownie batter evenly into the prepared pan, smoothing the top with a spatula or a sheet of parchment paper.
Make the cheesecake layer by blending 8 oz cream cheese with 2/3 cup yogurt or coconut cream, 1/4 cup erythritol (or sweetener of choice), and 1 1/2 tbsp almond flour until smooth in a blender, food processor, or with an immersion blender.
Spread the cheesecake mixture evenly over the brownie layer in the pan.
Bake on the center rack for 25 minutes. When the timer goes off, turn off the oven and leave the door closed; let the pan sit in the oven for 8 minutes.
Remove the pan from the oven, let the bars cool completely at room temperature, then refrigerate for a few hours until firm before slicing into 18 bars.
Optional: melt about 3 oz chocolate chips with a little oil and spread over chilled bars before serving.