Preheat oven to 375°F (190°C). Grease a 12-cup muffin tin with cooking spray.
Cook ground beef in a skillet over medium heat until browned, breaking it up with a spoon. Drain off any excess grease.
Stir in taco seasoning and follow package directions. Remove from heat.
Press one wonton wrapper into each muffin cup, letting the edges hang over the sides.
Spoon about 2-3 tablespoons of the beef mixture into each wrapper.
Top with a spoonful of black beans and a sprinkle of cheddar cheese.
Fold the edges of the wonton wrappers over the filling, pinching to seal.
Bake for 18-20 minutes, or until the wrappers are golden brown and crispy.
Serve with salsa, sour cream, and guacamole.