Chocolate Ingots

Moist, tender, sparkling, and intriguingly bittersweet, with their extra chocolate flavor punch and crunch of caramelized cacao nibs, these are the best chocolate financiers I’ve ever encountered. I discovered them and their creator, Jean François Bonnet, owner of Tumbador, a chocolate bar in Brooklyn, when he was pastry chef at New York’s Monkey Bar.

Nibs are the unsweetened chopped roasted cacao beans before they are processed into chocolate. Some people find their flavor rather b