Prepare the Fruits: Begin by slicing the banana, segmenting the orange, chopping the apple, and slicing the kiwi into bite-sized pieces. Set these aside in a bowl.

Blend the Milk Mixture: In a blender, combine the cottage cheese, condensed milk, and milk. Blend the mixture until it’s completely smooth and free of lumps. The blend should be creamy with a silky texture, which will create a smooth base for your dessert.

Activate the Agar-Agar: In a small saucepan, dissolve the agar-agar powder in 100ml of water. Place the saucepan over medium heat and bring the mixture to a gentle simmer while stirring constantly. The agar-agar needs to fully dissolve and thicken slightly for about 3-5 minutes. Once it’s ready, the solution will have a slightly thicker, gel-like consistency.

Combine All Ingredients: Slowly pour the hot agar-agar mixture into the blended milk mixture while continuously stirring. This is crucial to avoid clumps and to evenly distribute the agar-agar throughout the milk blend.

Add the Fruits: Gently fold in the prepared fruits, ensuring they are evenly distributed in the milk mixture. The vibrant colors of the fruit will give the dessert an attractive appearance when it’s sliced.

Set the Dessert: Pour the entire mixture into a greased mold or dish. You can use a round or square dish, depending on the presentation you prefer. Let it cool to room temperature, then transfer it to the refrigerator to set. The dessert should be chilled for at least 2-3 hours, allowing the agar-agar to fully set and create a firm, sliceable texture.

Serve: Once the dessert is fully set, carefully remove it from the mold. Slice it into portions and serve chilled. The creamy layers of milk and cottage cheese blend beautifully with the fruit pieces, creating a visually stunning and delicious treat.