In a small bowl, combine warm water, active dry yeast, and a pinch of monk fruit sweetener; let sit for 5 minutes until foamy.
In a large mixing bowl, combine whole wheat flour, vanilla whey protein powder, sea salt, and the remaining monk fruit sweetener.
Add the Greek yogurt, egg, and yeast mixture to the dry ingredients, stirring until a soft dough forms.
Knead the dough on a lightly floured surface for 5-7 minutes until smooth, then place in a greased bowl, cover, and let rise for 1 hour.
In a small dish, mix almond flour, coconut oil, and cocoa powder to create a thick paste for the concha topping.
Divide the dough into two equal balls, place on a baking sheet, and flatten slightly with your palm.
Roll out the topping paste between parchment paper, cut into circles, and press onto the top of each dough ball.
Use a knife to gently score a shell-like pattern into the topping without cutting into the dough.
Bake at 350°F for 18-20 minutes until the bread is airy and the topping is set.