Black and White Nachos

Name: Black and White Nachos
Ingredients: Half 15-ounce can black beans, drained; Half 15-ounce can cannellini or other white beans, drained; 1/3 Cup finely diced white onion; 1 small jalapeño with some seeds, minced; 2 Tablespoons finely chopped cilantro; Juice of 1 lime; 1/4 Teaspoon sea salt, or to taste; 1/8 Teaspoon ground cumin, or to taste; 1/8 Teaspoon chili powder (optional); 2 Teaspoons grapeseed or canola oil; Six 6-inch white corn tortillas; 3/4 Cups shredded Monterey Jack cheese