Combine first 6 ingredients and let it sit for at least 15 minutes(longer the better and you can even leave it overnight in the fridge)
When ready to cook add baking soda and lemon juice. In the separate bowl combine 3 tablespoons of the pancake batter with cacao powder and tiny splash of milk or liquid sweetener just to loosen up it a little.
Place a tablespoon of white batter on the pan, add teaspoon of chocolate batter on top and spread it quickly.
Wait for the for pancake to dry up on top and flip it on the other side, cook one more minute and remove from the pan.