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In a small pot, bring the water to a boil over high heat. Then, add the rice and stir. Return to a boil, reduce heat to low, cover, and simmer until the rice is cooked, about 20 minutes.
Meanwhile, in a large pan, heat the olive oil over medium heat. Add the garlic and cook until fragrant, about 30 seconds. Add almost all of the onion (save a portion for garnish) and peppers and cook until softened, stirring frequently, for about 7 minutes. Add the cumin and oregano, season with salt and pepper, to taste, and stir to combine.
Add the beans with their liquid and stir to combine. Bring to a simmer and cook over medium heat until the liquid reduces a bit, about 10 minutes. With a fork, mash some of the beans to thicken the consistency, to taste.
Turn off the heat and add the red-wine vinegar and almost all of the cilantro (save a portion for garnish) and stir to combine.
To serve, plate the rice and ladle the beans on top. Garnish with remaining onion, cilantro, and a squeeze of lime. Enjoy!