Preheat your air fryer: Set it to 375°F (190°C). A preheated basket helps the toast crisp faster.
Prep the bread: Lightly brush or spray both sides of the bread with olive oil. This keeps the bottom from drying out and adds crunch.
Mix the protein topping: In a small bowl, stir together cottage cheese, egg whites, a pinch of salt, and pepper.
If you’re going savory, add Parmesan and a pinch of red pepper flakes. For sweet, add a dash of cinnamon.
Spread it thick: Spoon the mixture evenly over each slice, going almost to the edges. A thicker layer gives you a creamy middle and golden top.
Add toppings: For savory, scatter sliced tomatoes and chives.
For sweet, hold off on fruit until after cooking to keep it juicy and fresh.
Air fry: Place the slices in the basket (topping side up). Cook for 6–8 minutes, checking at minute 5. You want the edges crisp and the top lightly browned with small bubbles.
Finish and season: Sprinkle with more pepper, everything bagel seasoning, or a drizzle of honey (for the sweet version).
Let it sit 1 minute to set before slicing.
Serve hot: Eat as-is or add a quick side like arugula, cucumber slices, or berries for a balanced plate.