Step 1: Preheat and Prep: Preheat your oven to 375°F (190°C). Lightly grease a standard 12-slot muffin tin with non-stick cooking spray to ensure the cups are easy to remove after baking.
Step 2: Brown the Meat: In a large skillet over medium-high heat, cook the ground beef or turkey until it is browned and no longer pink. Drain any excess grease from the pan.
Step 3: Season the Filling: Add the taco seasoning and water to the meat. Stir well and simmer for about 3 to 5 minutes until the liquid has thickened. Stir in the black beans at the very end to warm them through.
Step 4: Shape the Cups: If using tortillas, use a circular cutter or a glass to cut small rounds that fit into the muffin tin. Press the tortillas (or wonton wrappers) firmly into the bottom and sides of each muffin slot to form a cup shape.
Step 5: Fill and Bake: Spoon approximately 2 tablespoons of the meat mixture into each cup. Top each one with a generous sprinkle of shredded cheese. Place the tin in the oven and bake for 10 to 12 minutes, or until the edges of the cups are golden brown and the cheese is melted.
Step 6: Add Salsa and Serve: Remove the tin from the oven and let the cups cool for a few minutes. Top each cup with a teaspoon of fresh salsa and any other desired toppings like sour cream or cilantro before serving.