Preheat the oven to 350 Degrees F. Spray and 9 x 9 baking pan with cooking spray. You can also use an 8 x 8 baking pan and 2-3 ramekins (depending on the size). Don’t waste a drop. If using ramekins, they will cook in about 30-35 minutes.
In a blender or food processor add all the ingredients (except cooking spray and chocolate chips) and blend until smooth. This is a very loose batter. It firms up when baking.
Pour into the prepared baking pan (s) and/or ramekins and sprinkle the chocolate chips on top. Bake for 45 – 50 minutes or until the middle of the pan is set. If it is a little jiggly, that is OK. Ramekins will bake in about 30 – 35 minutes.
Let sit and cool for 20 minutes. Cover and put in the fridge until completely chilled. (30-60 minutes). It is much better after it is chilled and set up. I think it is even better the next day. Cut four cuts vertically and four cuts horizontally creating 16 squares. Alternatively, cut into 8 bars. Feel free to garnish with sugar-free whipped cream and fresh fruit if serving as a dessert. Plate and enjoy.