Heat the base: In a small pot over medium heat, combine oats, milk, cocoa powder, and a pinch of salt. Stir well to dissolve the cocoa.
Simmer: Cook for 3–5 minutes, stirring often, until the oats are creamy and the mixture thickens. Add a splash more milk if it gets too thick.
Protein boost: Remove from heat.
Stir in the chocolate protein powder and vanilla. If needed, add 1–2 tablespoons of warm water or milk to help it blend smoothly.
Sweeten and swirl: Taste and add maple syrup or honey if you want it sweeter. Swirl in the peanut butter until marbled or fully combined—your call.
Power up (optional): Stir in chia seeds or ground flaxseed for extra fiber and thickness.
Top and serve: Spoon into a bowl and add sliced banana, a drizzle of peanut butter, and a sprinkle of mini chocolate chips or cacao nibs for crunch.