Whisk coconut milk, coconut water, maple syrup, vanilla, and salt together in a large bowl or jug. Add chia seeds and whisk vigorously for 30 seconds until evenly distributed.
Rest at room temperature for 10 minutes then whisk again thoroughly to break up any clumps.
Divide evenly between four sealed jars. Refrigerate for at least 6 hours or overnight.
When ready to serve, dice all fruit and toss gently with lime juice and honey if using.
Check pudding consistency — stir in a splash of coconut milk if too thick.
Spoon fruit generously over each jar. Top with toasted coconut flakes, mint, lime zest, and a drizzle of honey. Serve immediately.