Prep your ingredients: Slice and freeze a ripe banana ahead of time for best texture. Measure your oats, nut butter, and chocolate chips.
Load the blender: Add milk, frozen banana, oats, nut butter, vanilla, maple syrup, cinnamon, and a small pinch of salt. Start with the lower amount of milk.
Blend until smooth: Blend on high for 30–45 seconds, or until creamy.
If it’s too thick to move, add a splash more milk. If it’s too thin, add a few ice cubes or another tablespoon of oats.
Add the chocolate: Toss in chocolate chips or cacao nibs and blend for 3–5 seconds to break them up slightly, or pulse once or twice if you want bigger bits.
Taste and adjust: Sip a spoonful. Add a touch more sweetener, cinnamon, or salt if needed to balance the flavor.
Serve immediately: Pour into a chilled glass.
For a cookie-dough look, sprinkle a few chocolate chips on top.