Blend the base: Add cottage cheese, peanut butter, sweetener, vanilla, and a pinch of salt to a high-speed blender or food processor.
Go smooth: Blend on high for 30–60 seconds until completely creamy.
Scrape down the sides and blend again. If it’s too thick, add 1–2 tablespoons of milk or water.
Taste and adjust: Sweeten more if you like, or add a bit more peanut butter for richness. If using cocoa powder, blend it in now.
Chill: Spoon into bowls or jars.
Chill for at least 30 minutes for the best texture. It thickens and sets slightly as it cools.
Finish with toppings: Add sliced banana, a sprinkle of chocolate chips, chopped peanuts, or a dusting of cinnamon. Serve cold.