Sift flour into a large bowl and add all the dry ingredients. Mix them together quickly with your fingers.
Add butter cubes and rub them into flour until small crumb forms.
Add kefir and mix the dough with your finger, just until combined. Press and shape into a ball.
Divide and shape the dough into 3 larger or 6 smaller balls, depending on whether you want small loaves of bread or biscuits. Gently press the balls down to give them the shape of a hockey puck or a wheel, about 1 inch thick or thicker.
Spread a handful or two of coconut crumb on a board, and roll your shaped loaves around to coat all over.
Lay the loaves flat, prick with a fork a few times (not all the way through).
Bake 30 minutes for loaves or 20-22 minutes for biscuits.