Preheat the oven to 375°F.
Spray a standard 12-cup muffin pan with nonstick cooking spray.
Warm a skillet over medium heat.
Add olive oil only if the beef is very lean.
Cook 1 pound ground beef until browned.
Drain extra grease from the skillet.
Add 2 tablespoons taco seasoning and 1/3 cup water.
Simmer for 3 to 4 minutes, until thick.
Stir in 1/2 cup thick salsa and 1 cup black beans.
Press one wonton wrapper into each muffin cup.
Add about 1 tablespoon beef mixture to each cup.
Sprinkle with a small pinch of both cheeses.
Add a second wonton wrapper, turned slightly.
Add another tablespoon of beef mixture.
Top with more shredded cheese.
Bake for 13 to 16 minutes.
Let the taco cupcakes rest for 5 minutes.
Lift gently with a butter knife.
Top after baking with sour cream, chopped tomatoes, shredded lettuce, chopped cilantro, lime wedges, and pickled jalapeños.