Add ice cubes to the blender, then pour in light rum, coconut rum, chocolate liqueur, cream of coconut, pineapple juice, and milk.
Blend on high for 20–30 seconds until completely smooth.
Drizzle chocolate syrup inside a chilled tall or hurricane glass.
Pour the blended drink into the prepared glass.
Garnish with toasted coconut flakes and a small piece of dark chocolate. Serve immediately.
Notes
For a thicker texture and richer sweetness, stick with cream of coconut. To lighten, reduce the chocolate liqueur slightly or swap milk for coconut milk beverage. Chill the glass before pouring and adjust thickness with a splash more milk (thinner) or a handful of ice (thicker). A dusting of cocoa or cinnamon on top smells amazing.Tasting notes: silky body with upfront chocolate, creamy coconut mid-palate, and gentle rum warmth; refreshing yet dessert-like.