Mix the Ingredients: In a medium-sized saucepan, combine the milk, sugar, vanilla powder, all-purpose flour, and cornstarch. Whisk the mixture thoroughly to ensure all the dry ingredients are fully dissolved into the milk.

Cook the Mixture: Place the saucepan over medium heat, stirring constantly to prevent any lumps from forming. As the mixture heats up, it will start to thicken. This process usually takes about 5-7 minutes. You’ll know it’s ready when the cream coats the back of a spoon.

Incorporate the Butter: Once the cream has thickened, remove the saucepan from the heat. Immediately stir in the butter until it’s fully melted and incorporated into the cream. The butter will give the cream a glossy finish and an extra layer of richness.

Set the Cream: Pour the hot cream into a serving dish or divide it evenly among individual dessert cups. Allow the cream to cool at room temperature before transferring it to the refrigerator. Let it chill for at least an hour, or until it has fully set and firmed up.

Roast and Chop the Peanuts: If your peanuts aren’t already roasted, place them in a dry skillet over medium heat and toast them for a few minutes until they’re golden brown and aromatic. Let them cool slightly before chopping them into small pieces.

Melt the Chocolate: In a microwave-safe bowl, break the milk chocolate into pieces and microwave it in 30-second intervals. Stir between each interval until the chocolate is fully melted and smooth. If you don’t have a microwave, you can also melt the chocolate using a double boiler on the stove.

Assemble the Topping: Once the cream has set, pour the melted chocolate over the top, spreading it evenly with a spatula. Quickly sprinkle the chopped roasted peanuts over the chocolate before it begins to harden. If you’re using grated coconut, sprinkle it over the peanuts for an added layer of flavor.

Final Chill: Place the assembled dessert back in the refrigerator for another 30 minutes to allow the chocolate to fully set and harden. This will also help the flavors meld together.

Serve: Once the dessert is fully chilled and the chocolate has set, it’s ready to be served. Use a sharp knife to cut the dessert into slices if you’ve made it in a large dish, or simply serve it straight from the dessert cups. Each bite will offer a perfect balance of creamy, crunchy, and chocolatey goodness.