Start by mixing the yogurt, protein powder, peanut butter, and maple syrup (if using) in a bowl. Stir in the chocolate chips.
Place a piece of parchment paper on a baking sheet. Using a large spoon, plop 6 large spoonfuls onto the parchment paper. You can also make smaller ones too. Place wooden sticks in the middle and cover lightly too if you are making these into popsicles instead of clusters. Freeze for at least 2-3 hours.
Once the clusters are frozen, melt the chocolate and coconut oil in a bowl in the microwave in 30 second incraments, until melted. Dip or spoon the frozen yogurt then lay back on the parchment paper until dry. Will happen in about a minute. You can also sprinkle with chopped peanuts or sea salt.
Store leftover in the freezer and if using a bag or container, keep a piece of parchment paper between each.