Step 1

Place beans, onions, garlic, salt and 5 cups water in the base of an Instant Pot and close, with the vent turned to seal. Cook on high pressure for 35 minutes, then natural release.

Step 2

For faster cooking time, soak the beans overnight in cold water. Pour off the water and place the soaked beans in a large pot along with the onions, garlic and salt, covering with water by 4-5 inches. Bring to a boil, then reduce heat to medium-low and cover, cooking until beans are tender about 2-4 hours.

Step 3

Drain the beans, reserving the liquid then add to the base of a food processor along with the cumin, cayenne, pico de gallo and 1/2 cup of bean cooking liquid. Pulse until mostly smooth, then add in the cheese, lime juice and pulse a few more times to incorporate. For a creamier dip, add in more reserved cooking liquid as desired. Taste, adding more salt as needed.

Step 4

Preheat oven to 400 degrees F. Stack the tortillas and slice them in 1/2, then each section into 1/2, then each section into 1/2 again so you have 8 slices per each tortilla. Place in a single layer on a baking sheet and spray with cooking oil, then lightly sprinkle with salt. Bake for 6 minutes, then flip and bake another 4-5 minutes until toasted and crispy. Sprinkle with more salt, if desired and serve. Store any remaining chips in an airtight container.

Step 5

Cut tortillas as directed above, then place tortillas in the air fryer basket and spray with cooking spray then sprinkle with salt. Cook at 350 degrees F for 4-6 minutes. If the chips need longer, cook an additional 1-2 minutes.