Step 1: Start with pico de gallo by mixing all ingredients in a bowl, add lemon juice, and set it aside.
Step 2: For the beans, heat lard or oil, mash them, cook, and set aside.
Step 3: Make the dough by combining masa harina, salt, and water until smooth, divide into 10 portions.
Step 4: Assemble the tlacoyos by flattening a portion, add mashed beans, fold, pinch edges, and flatten again.
Step 5: Cook the tlacoyos on a griddle, then serve them warm, topped with lettuce, pico de gallo, spicy salsa, and cheese. Enjoy!