Whisk to combine the 4 ingredients in a medium, heavy saucepan; stir with a whisk. Gradually add milk stirring with a whisk. Bring to a boil over medium-high heat, stirring constantly with a whisk. Reduce heat, and simmer 1 minute or until thick.
Remove from heat; add chocolate, stirring until melted and mixture is smooth. Let cool slightly, whisking constantly to prevent lumps.
Pour 1/2 cup pudding into each ramekin. Let set just slightly and garnish with cacao nibs. Serve immediately. (Or cover with a piece of plastic wrap flush to the surface of the pudding and chill until cold.) It’s good warm or cold!