Prepare the Beans: Rinse the dried pinto beans under cold water in a strainer or colander. Remove any debris or stones.
Sauté Aromatics: In a large pot or Dutch oven, heat some olive oil over medium heat. Add diced onions, minced garlic, and diced jalapeño pepper (if using) and sauté until onions are translucent.
Add Spices: Stir in ground cumin, paprika, and chili powder. Cook for another minute to toast the spices, releasing their flavors.
Cook the Beans: Add the rinsed pinto beans to the pot. Pour in water or vegetable broth, ensuring the beans are fully submerged. Bring to a boil, then reduce heat to low, cover, and simmer for about 1.5 to 2 hours or until beans are tender. Stir occasionally.
Season to Taste: Season with salt and pepper to taste. Adjust spices if needed.
Serve: Ladle the cooked pinto beans into serving bowls. Garnish with fresh cilantro and serve with lime wedges for an extra burst of flavor.