To make the ricotta whip: combine the ricotta, cream cheese, salt and pepper, cumin, lemon juice and garlic in a small bowl. Using a fork, mix vigorously to combine. Set aside.
To make the tomato salsa: combine the tomato pieces, finely chopped basil and onion in another bowl and toss to combine.
Spread each piece of toast with ricotta whip and top with a generous dollop of tomato mixture. Serve immediately!