In a medium mixing bowl, whisk together the Greek yogurt and egg whites until smooth and bubbly.
Add the vanilla protein powder, coconut flour, and baking powder to the wet ingredients, stirring until just combined.
Allow the batter to rest for 5 minutes; this is crucial for the coconut flour to hydrate and create a thick, fluffy texture.
While the batter rests, core and thinly slice the half apple into uniform wedges.
Heat a small non-stick skillet over medium heat and add the ghee. Once melted, toss in the apple slices, cinnamon, and monk fruit sweetener.
Sauté the apples for 5-7 minutes, stirring occasionally, until they are soft and lightly caramelized, then remove from heat.
Heat a large non-stick griddle or skillet over medium-low heat and lightly coat with a touch of oil or cooking spray.
Ladle the pancake batter onto the griddle to form 3 or 4 small pancakes. Cook for 3-4 minutes on the first side until small bubbles form and the edges look set.
Carefully flip the pancakes and cook for another 2-3 minutes until golden brown and cooked through.
Stack the pancakes on a plate and top generously with the warm caramelized apples and any remaining pan juices.