Prep your cups: Line a muffin tin with paper or silicone liners, or set out small ramekins.
Make the crust: In a bowl, mix the chocolate crumbs, melted coconut oil or butter, optional sweetener, and a pinch of salt until it looks like wet sand.
Press the crust: Spoon 1–2 tablespoons of crust mixture into each cup. Press down firmly with the back of a spoon.
Set aside.
Blend the filling base: In a bowl (or blender), mash the ripe banana well. Add the Greek yogurt, protein powder, pudding mix or cornstarch, maple syrup or honey, vanilla, and salt.
Adjust consistency: Whisk until smooth. If it’s too thick, add milk 1 tablespoon at a time until creamy and spoonable, like pudding.
Taste and adjust sweetness.
Layer with banana slices: Place 2–3 thin banana slices over each crust. This adds flavor and helps lock in moisture.
Fill the cups: Spoon the filling over the bananas, dividing evenly. Tap the tray gently to level the tops.
Chill to set: Refrigerate for at least 2 hours, or until the filling is firm enough to hold its shape.
Overnight is ideal for the best texture.
Add toppings: Before serving, add a small dollop of whipped cream, a sprinkle of crushed wafers, shaved chocolate, or toasted coconut if you like.
Serve: Peel off liners and enjoy straight from the fridge. They’re best cold.