Cocoa Seed GROWING COCO The cocoa tree bears fruit on its trunk and branches. They are called pods. The pods contain seeds which are called cocoa beans. The beans are made up of a seed coat, a kernel and a germ. Cocoa needs a high temperature, plenty of water, and air that is always moist. Therefore, cocoa is grown in the hot and humid regions of Africa (mainly in forest regions), Central and South America, Asia and Oceania.