Preheat your oven to 350°F. Line a muffin tin with paper or silicone cupcake liners.
In a large bowl, whisk together the gluten-free flour, cocoa powder, baking soda, and salt. In another bowl, mix the granulated sugar, vegetable oil, and mashed banana until well combined. Stir in the water and vanilla extract.
Gradually add the wet ingredients to the dry ingredients, mixing until just combined. Be careful not to overmix. Fold in the vinegar, then gently stir in the chocolate chips.
Divide the batter eavenly among the prepared cupcake liners, filling each about 3/4 full.
Bake in the preheated oven for 18-20 minutes, or until a toothpick inserted into the center of a cupcake comes out clean. Allow the cupcakes to cool in the tin for 5 minutes before transferring them to a wire rack to cool completely.
Tip:
Top it with GF frosting or dusted with powdered sugar for extra sweetness and presentation. For a more intense chocolate flavor, consider using ripe bananas as they lend additional sweetness and moisture to the cupcakes.