Heat the neutral oil in a medium sized pot over medium.
Add the minced red and white onions and the garlic to the pot and saute until translucent.
Add beans, liquid smoke, and soy sauce and continuing heating.
Using an immersion blender (or standing blender) blend the beans until smooth.
Stir in the diced jalapeno and 1 tsp salt, or salt to taste.
Use as a bean dip, or filling for tacos, tostadas, or enchiladas!