Preheat the air fryer. Set to 375°F (190°C) and let it run for 2–3 minutes so the basket is hot.
Prep the bread. Brush the edges of each slice with a little olive oil or butter.
This helps the crust turn golden and keeps the center from drying out.
Season the cottage cheese. In a small bowl, stir 1/2 cup cottage cheese per slice with a pinch of salt and pepper. For savory: add a tiny pinch of garlic powder or everything seasoning. For sweet: add a dash of cinnamon or a few drops of vanilla.
Spread and shape. Spoon the cottage cheese onto the bread, spreading to about 1/4 inch from the edges.
Keep the layer even so it browns uniformly.
Add toppings (optional). For savory, add thin tomato slices or scallions. For sweet, skip fresh fruit until after cooking to avoid sogginess; you can dust with cinnamon now if you like.
Air fry. Place the toast in a single layer in the basket. Cook 5–8 minutes, checking at minute 5.
You want the edges crisp, the cottage cheese set with light golden spots, and the bottom toasted.
Finish and serve. Remove and top as desired: hot honey, chives, red pepper flakes, a squeeze of lemon, berries, or a drizzle of honey. Cut in halves or quarters and serve warm.
Scale up smartly. If making multiple slices, cook in batches. Keep finished pieces on a wire rack so the bottoms stay crisp.