Preheat and prep: Preheat your air fryer to 390°F (200°C) for 3–5 minutes. Pierce each potato several times with a fork. Rub with olive oil, then season all over with salt and pepper.
Air fry the potatoes: Place potatoes in the basket with space between them.
Air fry for 35–45 minutes, turning once halfway. They’re done when skins are crisp and a skewer slides in easily. Timing varies by size and air fryer model.
Season the beans: While potatoes cook, combine black beans with chili powder, cumin, smoked paprika, and a pinch of salt.
Warm in a small pan over low heat or microwave until heated through.
Prep toppings: Shred cheese, slice green onions and jalapeño, dice avocado, and chop cilantro. Keep salsa and sour cream ready.
Split and fluff: When potatoes are cooked, let them rest 3 minutes. Slice each lengthwise, press ends gently to open, and fluff centers with a fork.
Taste and add a pinch of salt if needed.
Cheese melt: Sprinkle a generous layer of cheese inside each potato. Return to the air fryer for 1–2 minutes until melted and gooey.
Nacho crunch: Roughly crush the tortilla chips by hand into bite-size pieces. Tip: Don’t pulverize them—you want texture.
Load them up: Spoon seasoned beans into each potato. Top with more cheese if you like, then add crushed chips, salsa, sour cream, avocado, green onions, jalapeño, and cilantro.
Finish and serve: Squeeze lime over the top and serve immediately while the skins are still crisp and the cheese is hot.