Soak black beans in water and salt overnight.
Set Crockpot to desired meal time.
Spray inside of Crockpot with avocado oil.
Add vegetable stock, water, cumin and black beans and lentils to Crockpot.
Add tomatoes, onion, garlic, (jalapeño optional), salt to blender and blend for a min. Pour mix into Crockpot and close the lid.
Once cooked garnish with red pepper, cheese, pieces of tortilla chips, (jalapeño optional) and cilantro.