Preheat the oven: Set to 400°F (200°C). Line a baking sheet with parchment for easy cleanup.
Prep the bagels: Split mini bagels in half.
Lightly spray or brush the cut sides with olive oil or butter. Place cut side up on the baking sheet.
Toast the base: Pre-toast for 4–5 minutes. This keeps the bottoms crisp once you add the topping.
Make the cottage cheese mixture: In a bowl, stir 1 cup cottage cheese, 1/2 cup shredded cheese, 1 beaten egg, 2 tablespoons Greek yogurt (optional), 1–2 tablespoons chopped green onion, 1/2 teaspoon garlic powder, 1/2 teaspoon onion powder, and a pinch of salt and pepper.
Fold in any optional add-ins.
Blend or mash (optional): For a smoother texture, pulse the cottage cheese mixture with an immersion blender or mash with a fork for 10–15 seconds. Don’t overdo it—you still want some body.
Top the bagels: Spoon about 1–2 tablespoons of the mixture onto each toasted bagel half. Spread to the edges for even browning.
Add seasoning: Sprinkle everything bagel seasoning over the top.
Add a pinch of extra shredded cheese if you like a golden finish.
Bake: Return to the oven for 10–12 minutes, until the topping is set and lightly golden. For extra color, broil for 1 minute at the end—watch closely.
Rest and serve: Let cool 3–5 minutes to set. Finish with cracked black pepper or chopped chives.
Serve warm or at room temp.