01 - Preheat oven to 375°F.
02 - Arrange tortilla chips in a mini muffin tin, pressing gently to form cup shapes. Place one chip per cup.
03 - Sprinkle both cheddar and Monterey Jack cheeses evenly into each chip cup, distributing the cheese among all 12 cups.
04 - Top each cheese-filled cup with black beans, cherry tomatoes, black olives, jalapeño slices, and red onion.
05 - Bake in the preheated oven for 8 to 10 minutes, or until cheese is completely melted and bubbly.
06 - Remove from oven using oven mitts and let cool for 2 to 3 minutes before handling.
07 - Top each cup with a small dollop of sour cream and a sprinkle of fresh cilantro.
08 - Serve warm with salsa or guacamole on the side, if desired.