01 - Set oven to 375°F to ensure proper melting temperature for the cheese.
02 - Press round tortilla chips into the cups of a mini muffin tin, forming stable bowl shapes that will hold the fillings.
03 - Distribute shredded cheddar and Monterey Jack cheeses evenly among all tortilla cups, ensuring each has a solid cheese foundation.
04 - Top each cup with black beans, diced cherry tomatoes, black olives, jalapeño slices, and red onion, pressing gently to settle ingredients.
05 - Bake in preheated oven for 8 to 10 minutes until cheese is completely melted and beginning to bubble around the edges.
06 - Remove from oven and let cups rest in the tin for 2 to 3 minutes to set before handling.
07 - Top each cooled cup with a small dollop of sour cream and a sprinkle of fresh cilantro.
08 - Transfer to serving platter and accompany with salsa or guacamole for dipping while still warm.