Using MCT oil is optional (and not recommended for people starting Keto Chow). See “Should I use MCT Oil?” for more information about the benefits and challenges of MCT oil.
There is a LIQUID coconut oil (Walmart and Amazon links) that stays liquid when refrigerated, unlike normal coconut oil that solidifies when refrigerated (or even on the kitchen counter when it’s cold) since it solidifies at 76° F (24° C). The Liquid Coconut Oil is, frankly, about equally difficult to get and the same price as MCT oil; plus people confuse “melted solid coconut oil” with “liquid coconut oil”. You have to keep Keto Chow cold once it’s mixed so this poses a problem for regular coconut oil. Generally, there isn’t a really good way to mix regular coconut oil into suspension and prevent it from globbing together into big white chunks of solid oil. If you do have GI issues with MCT oil, the Carrington farms liquid coconut oil is a good substitute as many report little to no problems with it compared to MCT.