Place the rolled oats into a high-speed blender and pulse until they reach a fine, flour-like consistency.
Add the liquid egg whites, cottage cheese, half of the banana, vanilla extract, cinnamon, baking powder, and sea salt to the blender.
Blend on high for 30-45 seconds until the batter is completely smooth and aerated.
Slice the remaining half of the banana into thin rounds.
Heat a large non-stick skillet over medium-low heat and add the ghee to coat the surface.
Pour the batter into the skillet to form 3-4 small pancakes, then immediately press the banana slices into the wet surface of each pancake.
Cook for 3-4 minutes until small bubbles form on the edges and the bottom is golden brown.
Carefully flip the pancakes and cook for another 2 minutes until the banana slices are caramelized and the pancakes are cooked through.
Serve immediately while warm and fragrant.