Preheat the air fryer: Set to 400°F (200°C) for 3–5 minutes so the basket is hot before the tots go in. This helps them crisp quickly.

Cook the protein (if using): Brown ground beef or turkey in a skillet over medium heat. Drain excess fat, stir in taco seasoning, and a splash of water to coat. Simmer 1–2 minutes, then set aside. For a vegetarian option, warm black beans with a little seasoning and a squeeze of lime.

Air fry the tots: Add tots to the air fryer basket in a loose, even layer. Lightly spray with oil and season with a little salt. Cook for 10–12 minutes, shaking halfway, until deep golden and crisp. Work in batches if needed; avoid crowding.

Start the first cheese layer: Transfer crispy tots to a heat-safe, air-fryer-friendly pan or line the basket with foil (leaving space around edges for airflow). Sprinkle half the cheese evenly over the tots.

Add the protein and extras: Scatter your seasoned meat or beans over the cheese. Add jalapeños and a few green onions. This layering helps the cheese melt and the toppings stick.

Finish with more cheese: Top with the remaining cheese for that classic “loaded” effect.

Final melt: Return to the air fryer at 360–375°F for 2–4 minutes, until cheese is fully melted and bubbly. Keep an eye on it to avoid over-browning.

Top and serve: Slide totchos onto a platter. Add diced tomatoes or pico, more green onions, avocado or guacamole, and dollops of sour cream. Finish with hot sauce or salsa. Serve immediately while the tots are crisp.