Prepare the Apple: In a small bowl, mix the cold water and lemon juice. Add the apple cubes to prevent browning. Let sit for 5 minutes, then drain and pat dry.
Assemble the Base: Line a baking sheet with parchment paper. Arrange 20 pretzel snaps in a single layer.
Soften the Caramel: Place one caramel square on each pretzel. Microwave in 10-second bursts until slightly softened but not melted.
Add the Apple: Gently press one apple cube into each softened caramel, securing it slightly.
Top and Finish: Place another pretzel on top of each apple cube, pressing gently to create a little sandwich.
Melt the Chocolate: Combine chocolate chips and coconut oil in a microwave-safe bowl. Heat in 20-second intervals, stirring until smooth.
Drizzle & Garnish: Drizzle the melted chocolate over the pretzel bites and sprinkle with crushed peanuts.
Set & Serve: Chill in the refrigerator for 10–15 minutes to set the chocolate, then serve immediately or store as directed below.