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.