Preheat the air fryer: Set your air fryer to 350°F (175°C). Preheating for 2–3 minutes helps the chips crisp quickly.
Line the basket: Place a piece of parchment made for air fryers or a small sheet of foil with holes poked in it in the basket.
This keeps cleanup easy and prevents cheese from sticking. Make sure air can still circulate.
Build a single, sturdy layer of chips: Add a layer of tortilla chips, overlapping just a bit but not stacked too high. Lightly spritz with oil to help them stay crisp.
Add the first layer of cheese: Sprinkle about half the cheese evenly over the chips, getting into the nooks so every bite is cheesy.
Add toppings that can cook: Scatter beans, jalapeños, and onions evenly.
Season with chili powder or taco seasoning if you like.
Top with more chips and cheese: Add a second, lighter layer of chips and the remaining cheese. Keep the overall height under the basket rim so air circulates.
Air fry until melty: Cook at 350°F (175°C) for 3–5 minutes. Start checking at 3 minutes.
They’re done when the cheese is fully melted and the chips are crisp but not browned too dark.
Finish and serve: Carefully lift the parchment or foil to a plate. Add salsa, sour cream, guacamole, cilantro, and a squeeze of lime. Serve immediately.