Cut the avocados in half, remove the pits, and scoop the flesh into a medium bowl.
Mash the avocado lightly with a fork, leaving small chunks for creaminess.
Add the shredded cheeses, plain breadcrumbs, egg, cilantro, lime juice, garlic powder, onion powder, cumin, and a pinch of salt and pepper.
Stir until the mixture holds together when squeezed. If it is too loose, add 1 tablespoon of breadcrumbs at a time until it firms up.
Line a tray with parchment paper. Scoop the mixture into small balls or patties, about 1 to 1 1/2 tablespoons each.
Chill the shaped fritters in the fridge for 30 to 45 minutes. If you need to speed it up, freeze for 15 to 20 minutes.
Set up three shallow bowls: flour, beaten egg, and panko breadcrumbs. Keep the chilled fritters nearby.
Working a few at a time, roll each fritter in flour, shake off excess, dip in beaten egg, then press into panko so the coating sticks. Place back on the tray.
Preheat the air fryer to 375°F, or run it 3 to 5 minutes if it does not preheat.
Arrange fritters in a single layer with space between them.
Air fry at 375°F for 8 to 10 minutes, flipping halfway, until golden and crisp and the cheese is melty.
Let cool 2 to 3 minutes so they firm up slightly, then serve warm with your favorite dips.