Brew ½ cup strong coffee and chill it completely.
Cut the banana into roughly 1-inch slices and freeze in a single layer for at least 2 hours.
Measure the protein powder, milk, cocoa powder, vanilla, cinnamon, and optional maple syrup.
Place the frozen banana slices into a high-speed blender.
Add ¼ cup chilled coffee and ¼ cup milk. Keep the remaining coffee aside.
Add the protein powder, cocoa powder, vanilla extract, cinnamon, and optional maple syrup.
Blend for 30–45 seconds, starting on low and increasing the speed as the banana breaks down. Stop once thick and creamy.
Check the consistency. If the blender struggles, add reserved chilled coffee 1 tablespoon at a time until the mixture becomes smooth and spoonable.
Transfer the smoothie into a serving bowl with a spoon or silicone spatula.
Top with granola, banana, chia seeds, cacao nibs, almonds, nut butter, or Greek yogurt.
Serve immediately for the thickest and coldest texture.