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