Remove the freshly made lemon curd from the heat and let it cool completely. Meanwhile, prepare the gelatin: measure water into a bowl with the gelatin powder and let it sit to allow the grains to swell. Place this bowl over a pot of simmering hot water and stir until the gelatin melts completely, then set it aside to cool down before use.
In a large bowl, use an electric mixer on medium-high speed to beat the cream cheese until it's smooth and creamy. Gradually beat in the sugar, then the lemon zest and lemon juice, followed by the cooled lemon curd. Be sure to reserve about 1/2 cup of the lemon curd for the topping later.
In a separate bowl, whip the whipping cream until it thickens to soft peaks. Set this aside for now.