In a small bowl, sprinkle gelatin over the water and stir. Set aside to bloom.
In a small saucepan, heat the coconut milk and sugar to a soft boil.
Whisk in as much as a quarter cup of the coconut milk into the gelatin to melt.
Pour gelatin mixture into the remaining coconut milk and whisk together.
Fill desired jars, small glasses or bowls and place in refrigerator for 4 hours-overnight to set. Before serving, top panna cotta with tropical fruit and sugared kumquat slices.