In small skillet, heat oil; cook onion, garlic, curry paste, ginger, coconut, and salt until tender and fragrant. Add coconut milk; bring to simmer. Remove from heat; let cool to room temperature.
In bowl, stir together coconut milk mixture, yogurt, lime juice, zest, and cilantro. Garnish with extra cilantro and coconut. Serve chilled with crackers, veggies, or dippers of choice!