Dice one onion and mince the garlic.
Add oil to a large pot and add the onion and garlic, cook until soft, about five minutes.
Rinse black beans and add to the pot along with salsa. Stir with a wooden spoon.
Add water and salt, and stir again.
If you prefer extra heat, add a chopped red chili.
Bring to boil and then let simmer under lid for 15 minutes. Stir occasionally and add more water if necessary.
Take half of the soup and gently pour into another bowl. Mix smooth with a hand blender. Be very careful as the liquid is very hot. To be sure, you can let the soup cool down a bit first.
Transfer the liquid back into the pot, reheat for 5 minutes.
Serve in individual bowls with a wedge of lime, nachos, shredded cheese and creme fraiche.
If you want to keep it vegan, omit the cheese and creme fraiche or use vegan alternatives.