01 - Preheat oven to 400°F.
02 - Heat olive oil in a large skillet over medium heat. Add chopped onion and cook for 2–3 minutes until softened.
03 - Add garlic and sauté for 30 seconds. Add ground beef, breaking it up with a spoon, and cook until browned, about 5–6 minutes.
04 - Stir in cumin, chili powder, paprika, salt, and pepper. Cook for 1 more minute, then remove from heat.
05 - Arrange half the tortilla chips on a large, oven-safe platter or baking sheet. Distribute half the beef mixture, half the jalapeños, and half the cheeses evenly on top.
06 - Repeat with remaining chips, beef, jalapeños, and cheese to create a second layer.
07 - Bake in the preheated oven for 8–10 minutes, or until cheese is fully melted and bubbly.
08 - Remove from oven and sprinkle with optional toppings: diced tomato, red onion, cilantro, and dollops of sour cream. Serve immediately with lime wedges.