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 - Distribute black beans, diced cherry tomatoes, black olives, jalapeño slices, and red onion on top of the cheese in each cup.
05 - Bake in the preheated oven for 8 to 10 minutes, until the cheese is completely melted and bubbly.
06 - Remove the muffin tin from the oven using oven mitts and let the cups cool for 2 to 3 minutes before handling.
07 - Top each 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, if desired.