Preheat your oven to 375°F (190°C). Grease a 12-cup muffin tin.
In a skillet over medium heat, brown the ground beef. Drain the fat and stir in taco seasoning. Cook for 2 more minutes.
In a bowl, mix the refried beans and salsa until smooth.
Place a wonton wrapper in each muffin cup. Layer with 1 tbsp of the bean mixture, 1 tbsp taco meat, and a sprinkle of cheese.
Add another wonton wrapper on top and repeat the layers: beans, meat, and cheese.
Bake for 15 minutes or until the cheese is melted and the edges are golden and crispy.
Let them cool for a few minutes. Top with sour cream, green onions, or olives if desired.