Sauté the aromatics: Heat the oil in a large pot over medium heat. Add onion, bell pepper, and carrots.
Cook 6–8 minutes, stirring occasionally, until softened and lightly golden.
Add garlic and jalapeño: Stir in garlic and jalapeño. Cook 1 minute, just until fragrant. Don’t let the garlic brown.
Bloom the spices: Add chili powder, cumin, smoked paprika, oregano, salt, and pepper.
Stir for 30 seconds to coat the veggies and release the spices’ flavor.
Build the base: Add lentils, crushed tomatoes, diced tomatoes, and vegetable broth. Stir well to combine and bring to a gentle boil.
Simmer: Reduce heat to low, cover partially, and simmer 25–30 minutes. Stir occasionally so nothing sticks.
Add more broth if it looks too thick.
Add beans and balance: Stir in the black or kidney beans, cocoa or dark chocolate, and maple syrup if using. Simmer another 10–15 minutes, until lentils are tender but not mushy.
Finish: Stir in lime juice. Taste and adjust salt, pepper, and heat.
If you want more heat, add a pinch of cayenne or hot sauce.
Serve: Ladle into bowls and top with cilantro and avocado. Add tortilla chips or cornbread on the side.