01 - Set your oven to 375°F to prepare for baking the nacho cups.
02 - Arrange tortilla chips in a mini muffin tin, gently pressing each chip to form a cup shape. Use one chip per cup in the tin.
03 - Sprinkle the shredded cheddar and Monterey Jack cheeses evenly into each chip cup, distributing the cheese among all 12 cups.
04 - Top each cheese-filled cup with black beans, diced cherry tomatoes, sliced black olives, jalapeño slices if using, and finely diced red onion.
05 - Place the muffin tin in the preheated oven and bake for 8 to 10 minutes, or until the cheese has completely melted and becomes bubbly.
06 - Remove the tin from the oven using oven mitts and let the nacho cups cool for 2 minutes to set slightly.
07 - Top each warm cup with a small dollop of sour cream and a sprinkle of fresh chopped cilantro.
08 - Arrange the nacho cups on a serving platter and serve warm, offering salsa or guacamole on the side if desired.