Preheat the air fryer to 350°F for 3 minutes.
Brush the basket lightly with olive oil to prevent sticking.
Toss the black beans with chili powder, cumin, and a pinch of salt.
Spread half the chips in the basket. Scatter half the seasoned beans, half the cheese, and some jalapeños.
Layer the remaining chips, beans, and cheese on top for even melting.
Air fry for 4–5 minutes until the cheese is fully melted and edges of chips are crisp.
Top immediately with tomatoes, red onion, olives, green onions, and cilantro. Splash with lime juice and a tiny pinch of salt.
Dollop with sour cream and serve with salsa on the side.