Preheat oven to 425°F. Line your muffin pan with cupcake liners and lightly spray with non-stick spray.
Zest and juice one lemon.
Add one teaspoon of tapioca flour to a bowl and shake the fresh or frozen blueberries to coat them lightly. The flour coating will provide some friction to the blueberries so they don't sink to the bottom of the muffins during baking.
In an upright blender, food processor, or large mixing bowl with an immersion or stick blender, add the wet ingredients, including honey, applesauce, lemon juice, lemon zest, coconut oil, vanilla extract, and almond extract. Blend until the bananas and cottage cheese are smooth. Add the eggs and mix until combined.
Add the dry ingredients to the mixing bowl, including oat flour, tapioca flour, almond flour, baking powder, baking soda, and salt. Mix with a whisk until blended. Allow the batter to rest for 5-10 minutes. The batter will become fluffier as it rests. Gently fold the blueberries, shredded coconut, and white chocolate chips in with a spatula.
Fill the muffin cups nearly full with batter. Allow the batter to mound higher in the middle. Sprinkle additional blueberries, white chocolate chips, and coconut as a garnish on top of each muffin.
To get a higher dome on the muffins, bake at 425°F for 5 minutes. Leave the muffin tin in the oven, reduce the heat to 350°F, and bake for an additional 12-14 minutes or until the muffin tops are lightly brown. Allow to cool on a wire rack and sprinkle with lemon zest.