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Preheat oven to 350°F. Line a muffin pan with liners (you will only need 10 out of the 12).
Add all ingredients except chocolate chips. Whisk until smooth batter forms. (You can also mix in a blender.) Stir in chocolate chips. If desired, reserve some of the chocolate chips to be sprinkled on top of the batter.
Using a large ice cream scoop, scoop batter into muffin pan, filling the liners about 3/4 full. Sprinkle remaining chocolate chips on top. Bake muffins for about 18-22 minutes. The top of the muffins should puff up and a toothpick inserted should only have a few crumbs clinging. Don't worry if the tops of the muffins sink slightly as they cool. Let muffins cool completely before removing from pan and eating.