Preheat your oven to 400°F and lightly grease a large pan.
In a bowl, mix together the pinto beans and black beans with sea salt, cayenne pepper, cumin, garlic powder, and paprika. You can start with half a teaspoon of each and add more seasoning as you see fit!
Spread the tortilla chips into an even layer in the pan.
Sprinkle on half of the cheese, then add all of the pinto beans, the black beans, and the other half of the cheese. Spoon out the pico de gallo, jalapenos, and black olives and put the pan in the oven until the cheese melts, about 10-15 minutes.
Take the pan out of the oven and add the sour cream, avocado, and lime wedges to the top.
Eat directly from the pan or scoop onto plates and enjoy!
