Preheat the oven to 170ºC.
In a bowl, mix all crumble ingredients together and rub with your fingers until a sandy texture forms. Set aside.
In a separate bowl, beat the eggs with both sugars until the mixture is creamy.
Add the oil and continue beating until fully incorporated.
Add the pumpkin puree, yogurt, milk, and vanilla, mixing well.
Fold in the flour, Lotus cookie crumbs, baking powder, and baking soda. Mix until just combined without overbeating.
Fill muffin liners with the batter.
Add 1 teaspoon of Lotus spread on top of each muffin.
Distribute the reserved crumble over the Lotus spread on each muffin.
Bake at 170ºC for 35 minutes using top and bottom heat without a fan.
Let cool before serving.