Toast the coconut: Add the shredded coconut to a dry skillet over medium heat. Stir for 2–4 minutes until golden and fragrant.
Set aside to cool.
Make the “crust” crumble: In a small bowl, combine crushed graham crackers or almond flour with melted coconut oil, a pinch of salt, and cinnamon if using. Stir until it forms a sandy crumble. Set aside.
Blend the base: In a high-speed blender, add cottage cheese, coconut milk, half of the toasted coconut, sweetener, vanilla, coconut extract (if using), and a pinch of salt.
Blend until completely smooth and creamy, 30–60 seconds. Taste and adjust sweetness or coconut flavor.
Assemble the bowl: Pour the creamy mixture into a serving bowl. Top with the remaining toasted coconut and the crust crumble.
Finish with extras: Add berries, banana, a dollop of whipped cream, or a light dusting of lime zest for brightness.
Serve right away: It’s best enjoyed immediately while the crumble is crisp and the bowl is cool and silky.