Preheat your oven to 160C / 325F, then fill a muffin tin with nine liners.
Using an electric whisk, put the butter and the sugars into a large bowl and cream until pale in colour, and smooth in texture. This should take about five minutes.
Sieve the flour, bicarbonate of soda, baking powder, cinnamon, and nutmeg into a separate bowl. Add a good pinch of fine sea salt and then mix to combine.
Mash your bananas into a third bowl and add your eggs (which should already be whisked together), vanilla extract, kefir natural yoghurt and cider vinegar. Mix together.
Add this liquid mixture to your creamed butter and sugar, and whisk again until evenly combined.
Slowly add your bowl of flour in thirds, whisking after each addition and scraping down the sides of your bowl with a spatula as you go. Repeat until you’ve added all the flour, and whisk so everything has been properly incorporated.
You can now add the chopped walnuts. Mix with a spoon.
Divide the batter between your muffin tins (approx 130g per case).
To make the topping, put all the dry ingredients (apart from the flaky sea salt) into a bowl and mix to combine. Add your cubed cold butter and using your fingertips, rub the mixture between your thumb and index finger to create a breadcrumb-like texture. You want it to look like a crumble topping, where the butter is barely incorporated and you still have some blobs.
Sprinkle a heaped tablespoon of this mixture over the top of each muffin and bake in the oven for 25mins.
Once baked, make sure a wooden skewer comes out of the centre without any batter sticking to it (you just want a few crumbs clinging to your skewers to make sure they’re baked) and leave to cool completely in the tin.