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Set a medium-to-large pot over low heat. Add the olive oil, onion, oregano, ¼ teaspoon salt, and ⅛ teaspoon pepper. Cook the onion, stirring occasionally, until soft and translucent, about 8 minutes.
Add the garlic and cumin. Cook, stirring frequently, for another minute.
Add the broth, beans, chiles, cloves, and cayenne. Stir to combine. Increase heat to medium-high and bring to a boil. Reduce to a simmer and cook for 3-5 more minutes until thickened a tiny bit.
Remove from heat. Run a potato masher or fork through 5-6 times just to smash a few of the beans and help thicken it all up. Squeeze the lime over the top and stir. Taste and add additional salt and pepper if desired.
Serve with assorted toppings (ideas below).