Saute the onion, garlic, and jalapeño in the olive oil for 5 minutes, stirring until soft and fragrant.
Add the tomato, vegetable stock, cumin, chili powder, and garlic powder. Stir well and simmer over medium heat for 10 minutes.
Stir in the red kidney beans, cilantro, and lime juice and simmer a few more minutes.
Transfer 1 cup of the mixture, break the tortilla into pieces and add both to the blender. Blend until smooth.
Return the blended mixture to the soup and mix to incorporate.
Add salt and pepper to taste.
Serve topped with avocado, cilantro, fresh lime, and dry fry tortilla pieces.