Preheat oven to 350°F.
Make flax egg and set aside.
In food processor combine black beans, maple syrup, applesauce, almond butter, and apple cider vinegar. Pulse to combine (about 1 minute)
Add in cocoa powder, cinnamon, nutmeg, cayenne, sea salt, baking powder and flax egg. Process until combined (about 1 minute).
Grease 4 5oz ramekins with coconut oil. Make sure to grease well. Add a 1/4 cup of batter to each ramekin.
Sprinkle some chocolate chips in the center of each and cover each ramekin evenly with remaining batter.
Place on a baking sheet and bake for 20 mins.
Remove from oven and let cool for 10 mins.
Use a knife to loosen edges and then flip ramekins over on a plate. They should come loose easily.
Serve immediately for best results.