Line the pan: Place paper or silicone liners in a 12-cup muffin tin.
This keeps the cups from sticking and makes cleanup easy.
Make the bottom chocolate layer: In a microwave-safe bowl, combine the sugar-free chocolate chips and coconut oil. Heat in 20–30 second bursts, stirring between each, until smooth. You can also melt over a double boiler.
Add the base to liners: Spoon about 1 teaspoon of melted chocolate into each liner and tilt to coat the bottom evenly.
Chill in the fridge for 10 minutes to set.
Mix the cheesecake filling: In a mixing bowl, beat the softened cream cheese until smooth. Add peanut butter, powdered sweetener, vanilla, and salt. Beat until creamy.
Add 2–3 tablespoons heavy cream to loosen to a fluffy, pipeable consistency.
Taste and adjust: Taste the filling. If you want it sweeter, add a little more powdered sweetener. If it’s too thick, add another splash of cream.
Fill the cups: Divide the peanut butter cheesecake filling among the 12 liners, smoothing the tops with a spoon.
Leave a little room for the top chocolate layer.
Top with chocolate: Gently rewarm the remaining melted chocolate if it has thickened. Spoon about 1–1.5 teaspoons over each cup, spreading to the edges to seal.
Add toppings: Sprinkle chopped peanuts or a pinch of flaky sea salt if using. These add crunch and balance the richness.
Chill to set: Refrigerate for at least 45–60 minutes, or freeze for about 20 minutes, until the chocolate is firm and the filling is set.
Serve: Peel away the liners and enjoy.
Keep extras chilled until you’re ready to eat.