FILL: Add the dried beans, water, ground cumin, chipotle chili powder, and oregano to the instant pot (or a stove top pressure cooker), secure the lid.
PRESSURE COOK: Hit the bean/chili button and let cook for 45-48 minutes if you're beans are about 1 month old or newer. If they've been in your pantry for a while, set for 47-48 minutes. Allow the pressure to release naturally or turn the knob to 'vent'.
SAVE: Reserve 2½ cups of liquid in a measuring cup, drain the rest of the liquid from the beans.
STOVETOP: Heat ghee/beef tallow/ lard in a large skillet over medium heat. Add the onions and jalapeños and allow them to cook until they just start to brown, about 8-10 minutes. Pour the ghee and onion mixture into the cooked black beans and stir to combine. Add the salt and stir.
BLEND: Use an immersion blender for smoother beans or a potato masher to mash the beans along with ½ cup of reserved liquid. Add more liquid to achieve your desired consistency. I used about 1 cup liquid total. Taste and adjust seasonings to taste.
TROUBLE SHOOT: If beans become too thin, hit the saute setting and let cook for 5-7 minutes or until thickened to desired texture. Remember, beans will thicken as they sit so if you aren't serving immediately, consider leaving them a little thinner.
SERVE: Top with fresh cilantro, jalapeños and cotija cheese before serving!