Use a wide-mouthed mason jar to cut out palm-sized rounds from soft flour tortillas. Stuff each round into a cup of a mini muffin pan, pressing gently to create tiny bowls
Fill each tortilla bowl with refried beans, diced jalapeños, spicy salsa and crumbled Cotija cheese.
Bake at 350° for 10 to 15 minutes, until the cheese is melted and the tortillas turn golden brown.