Preheat the oven to 375 degrees. Lightly spray a 12-cup muffin pan. Set aside.
Brown the ground beef in a medium skillet over medium-high heat until no pink remains. Drain well. Set aside.
Turn the heat down to medium. Add the onion, garlic, and taco seasoning. Stir for 1 to 2 minutes, or until the spices begin to smell very fragrant.
Add the meat back to the pan and stir to combine. Add the beef stock and stir to get the bits of spice from the bottom of the skillet. Taste for seasoning and adjust with salt and pepper. Keep warm.
Line each cup of the cupcake tin with one wonton wrapper, pressing down to mold it into the cup, being careful not to tear the wrappers.
Add a tablespoon of refried beans into the bottom of each wrapper.
Top each cup with another wonton wrapper, gently pressing down to stick to the beans.
Place a heaping tablespoon of the seasoned beef mixture into each double-stacked wrapper.
Bake in the preheated oven for 15 minutes, or until the edges of the wrappers are browned and the filling is hot.
Remove from the oven and top with cheese. Place the tin back into the oven for 1 to 2 minutes to melt the cheese.
Remove the tin from the oven and cool for about 3 to 5 minutes. Carefully remove the cups and top with the desired toppings. Serve very warm.