01 - Preheat your oven to 375°F.
02 - Arrange tortilla chips in a mini muffin tin, gently pressing each chip to form a cup shape. Use one chip per cup.
03 - Sprinkle shredded cheddar and Monterey Jack cheeses evenly into each tortilla cup.
04 - Distribute black beans, cherry tomatoes, black olives, jalapeño slices, and red onion on top of the cheese in each cup.
05 - Place the muffin tin in the preheated oven and bake for 8 to 10 minutes, or until the cheese is completely melted and bubbly.
06 - Carefully remove the tin from the oven using oven mitts and allow the cups to cool for 2 minutes.
07 - Top each cup with a small dollop of sour cream and a sprinkle of fresh chopped cilantro.
08 - Transfer cups to a serving platter and serve immediately. Offer salsa or guacamole on the side for dipping.