Soak the peeled black-eyed peas in water for about 30 minutes. Peel off the skins by rubbing the beans between your hands. Rinse and drain.
In a blender, combine the soaked beans, chopped onion, tomatoes, red bell pepper, and fresh peppers (or ground pepper). Blend until smooth, adding a little water if needed to get a smooth consistency.
Pour the blended mixture into a large bowl. Add the vegetable oil, stock cubes, dried thyme, curry powder, and salt. Mix well. Add water or stock gradually to achieve a thick, but pourable consistency.
If using, fold in the chopped vegetables, cooked fish, shrimp, or boiled eggs into the batter.
If using banana leaves, clean and cut them into squares. Soften them by steaming or heating them briefly. Spoon the batter onto the center of each banana leaf square and fold the edges to enclose the batter. If using aluminum foil, spoon the batter onto squares of foil and fold into packets.
Place the wrapped batter in a steamer or a large pot with a steaming rack. Steam for about 45-60 minutes, or until the Moi Moi is firm and cooked through. Check occasionally and add more water to the pot if needed.
Allow the Moi Moi to cool slightly before unwrapping. Serve warm with rice, plantains, or as a side dish.
Enjoy your meal!