Cut the chocolate bar into pieces.
Placing a pot with boiling water over medium low heat would be the best option. On top of this pot (make a water bath) place another container - without the bottom of it touching the boiling water -. In this container add the milk, the coconut oil and the chocolate bar in pieces.
Once the mixture is melted, add the cocoa powder and dissolve.
Remove the chocolate from the water bath and add the sweetener if it is to your liking. Beat well.
Let it rest a little so that it thickens a little
Final touch to personalize your chocolate: I propose several options because it’s hard to decide on just one ?