Combine salsa ingredients in a bowl and set aside
Preheat broiler with a rack at the center of the oven
Spread the chips on a parchment-lined baking sheet
Toast and remove from oven
Heat olive oil, a turn of the pan, in a small saucepan over medium-high heat
Add onions and garlic, jalapeño, salt, pepper and cumin, and cook 5 minutes to soften
Add water and reduce to 2-3 tablespoons
Add beans and heat through
Transfer beans to the bowl of a food processor and add lime juice and hot sauce
Process until smooth, adjust salt to taste
Top toasted chips with the black bean dip and the cheese
Place back under the broiler to brown
Top with salsa and serve