Whisk the base: In a medium bowl or jar, combine milk, Greek yogurt, cocoa powder, maple syrup or honey, vanilla, and salt.
Whisk until the cocoa dissolves and the mixture looks smooth. If using protein powder, add it here and whisk again.
Add peanut butter: Stir in peanut butter until fully blended. If it clumps, microwave the peanut butter for 10–15 seconds before mixing, or whisk a small splash of warm milk into it first.
Stir in chia seeds: Sprinkle chia seeds over the mixture and whisk well to evenly distribute.
Let it sit for 5 minutes, then whisk again to prevent clumping.
Chill: Cover and refrigerate for at least 2 hours, ideally overnight. The seeds will swell and thicken the pudding.
Stir and adjust: After chilling, give it a good stir. If it’s too thick, add a splash of milk.
If you want it sweeter, add a bit more maple syrup.
Serve with toppings: Spoon into bowls or jars and finish with sliced banana, berries, crushed peanuts, or a drizzle of peanut butter for extra texture and flavor.