In a large bowl add the softened cream cheese, 2 tablespoons of the Swerve, 1 tablespoon Monk fruit, and 1 tablespoon banana extract.
Using a hand or stand mixer beat the ingredients until they blend together.
Taste the mixture. It should be sweet but not overly sweet and you should be able to taste the banana flavor.
This is the time to add more of either or both of the sweeteners to your desired sweetness. But remember each component is sweetened and will be combined.
Continue beating the mixture until light and fluffy. Be sure there are no lumps of cream cheese and it is one homogenous mixture.
In another large bowl, add in your very cold heavy whipping cream, 1 tablespoon of the Swerve, 1 tablespoon Monk fruit, Xanthan gum, and 1 tablespoon banana extract.
Using an electric stand or hand mixer beat all ingredients together for about 30 seconds.
Taste. The cream should be sweet but not overly sweet. (See above) Once sweetened to your desired sweetness, continue to beat the mixture until soft peaks form.
Don’t overbeat or you’ll end up with sweetened butter. (Which might not be a bad thing…but not good for this dessert. Ha!)
Fold half of the whipped cream into the cream cheese mixture. Then, fold in the second half.