Preheat oven to 400F or 204C

Place the tapioca flour in a mixing bowl.

Heat milk and oil in a sauce pan. Let simmer for a couple of seconds.

Add the hot milk/oil to the tapioca flour and mix well. Once done, set mixing bowl aside for 4 minutes or so while you prepare the other ingredients.

Whip the egg on a separate small container like a ramekin, put aside, then grate the cheeses.

Add all the ingredients back to the mixing bowl.

Mix vigorously – the better you mix it and get a dough-like consistency the nicer the cheese bread will come out. This part can become difficult depending on the tool you use but it's worth it!

Prepare a baking sheet lined with parchment paper or use a silicone mat.

In case the dough is too sticky, you can use two spoons to grab and shape the dough into a small ball directly on the baking sheet. If the dough isn't too sticky, wet your hands a bit with water then shape the dough with your hands. Shape into a small ball of around 108g. This usually produces 4 small pieces of bread.

Bake for 20-22 minutes on the mid or top rack until bread is lightly browned on top.

Once the bread is done, place the baking sheet on a cooling rack for a few minutes. Enjoy this delicious cheese bread warm!