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Rinse dried beans and remove any rocks or broken beans.
Place rinsed beans in the inner pot. Add in stock, water, onion, jalapeno, garlic cloves, chili powder, paprika, cumin, onion powder, and garlic powder.
Close the Instant Pot and be sure the valve is turned to "seal." Set to cook on high pressure for 50 minutes. Hit manual or pressure cook and use +/- buttons to adjust cook time to 50 minutes.
Once cook time has elapsed, allow pressure to release naturally for at least 15 minutes.
Remove lid drain beans over a large mixing bowl, to reserve cooking liquid. Discard jalapeno, then return beans, onions, and garlic to the inner pot or blender. Add in ½ teaspoon salt and vinegar, if using, and stir well.
Blend with an immersion blender or food processor, adding ½ cup of the reserved liquid at a time until beans are smooth and the desired consistency is reached. Taste and adjust seasoning/salt if needed.