Add the cottage cheese, half of the kefir, frozen strawberries, frozen bananas, honey, cinnamon, lemon juice, and salt to a large bowl (if using an immersion blender) or to a high-powered blender.
Blend until smooth, thick, and creamy. Add more kefir, 1 tablespoon at a time, only if needed, until the smoothie reaches the consistency of soft-serve ice cream.
Divide the smoothie evenly between 5 bowls. Smooth the tops with the back of a spoon, then create a gentle swirl or dome in the center for a beautiful presentation.
Top each bowl with fresh banana slices arranged in a fan, a small handful of chopped nuts, a sprinkle of shredded coconut, and a pinch of seeds. Finish with a light drizzle of honey in thin ribbons, then serve immediately.