Dissolve instant coffee in a cup of hot water. If you prefer a stronger flavor, use a shot of espresso instead. Let it cool.
In a chilled bowl, pour cold whipping cream. Beat it until you reach stiff peaks, which means the cream holds its shape when you lift the whisk.
Gently fold sweetened condensed milk into the whipped cream. Fold until everything is combined and smooth.
Cut the ladyfingers in half so they can easily fit into your dessert cups. Dip each half into the coffee mixture briefly to soak them, but don’t let them get too soggy.
Place a layer of soaked ladyfingers at the bottom of each cup, followed by a layer of the cream mixture. Repeat the layers until you fill the cups, ending with the cream on top.
For an extra touch, you can sprinkle a bit of cocoa powder or grated chocolate on top of the cream before serving.