Preheat your air fryer to 370 °F (188 °C) for 2–3 minutes (if your model supports preheating).
Prepare your mise en place: cook and season your protein, chop onions, tomato, and cilantro, rinse the beans, and shred your cheese.
In the air fryer basket (or tray), lay down a single even layer of tortilla chips. Avoid stacking too many chips directly on top of one another so the hot air can circulate.
Lightly sprinkle 1 cup of the shredded cheese over the first chip layer.
Distribute the cooked protein in small spoonfuls over the chips. Then add the black beans in little clumps.
Scatter chopped onion and diced tomato (or pico de gallo) evenly, followed by pickled jalapeno slices.
(Optional) Add a second, lighter layer of chips on top, then sprinkle the remaining 1 cup of cheese over this top layer.
Air fry at 370 °F (188 °C) for 5–8 minutes, checking around the 5-minute mark. Look for fully melted, bubbly cheese and slightly toasted chip edges.
Once done, carefully remove the nachos from the air fryer using tongs or a spatula and transfer to a serving platter.
Immediately top with fresh cilantro, dollops of sour cream or crema, diced tomato or pico de gallo, and guacamole. Serve with lime wedges and salsa on the side.