First make the warm chocolate sauce. Melt the chocolate in 2-3 20 second increments in the microwave. Stir in between. When it's almost fully melted, add the peanut butter. Microwave again for another 30 seconds. Set aside.
Add all ingredients to the blender in the order listed. Then blend and mash until the smoothie becomes creamy. Top with chocolate sauce and shaved (and toasted, if you like) coconut flakes. Other good toppings are: berries, chocolate granola, macadamia nuts, gogi berries, and coconut whip.