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