Step 1: Prepare the Baking Pan - Line your 9x9-inch baking pan with parchment paper, leaving overhang for easy removal.
Step 2: Create the Chocolate Layer - In a microwave-safe bowl, combine chocolate chips and coconut oil. Heat in 30-second intervals until melted. Pour into the prepared pan and refrigerate to set.
Step 3: Make the Peanut Butter Layer - Mix creamy peanut butter, sugar, and coconut milk until smooth. Stir in marshmallow fluff. Spread over the chocolate layer and refrigerate to firm up.
Step 4: Prepare the Caramel Layer - Melt caramels and coconut milk together. Pour over the peanut butter layer and sprinkle with chopped peanuts. Let cool for 15 minutes.
Step 5: Add the Toasted Coconut Layer - Sprinkle toasted coconut and shredded coconut over the caramel layer and press down gently.
Step 6: Finish with the Final Chocolate Layer - Melt chocolate chips and coconut oil again, pour over the coconut layer, and top with more toasted coconut.
Step 7: Chill and Set - Cover with plastic wrap and refrigerate for at least 2 hours. Lift out using parchment and cut into squares.