In a medium bowl, whisk eggs and 1 tablespoon water.
In a large nonstick skillet, heat 1 tablespoon oil over medium heat. Add onion and saute until softened, 6-8 minutes. Add jalapeño and cook 2 minutes more. Transfer to a bowl. Reduce heat to low.
In same skillet, heat remaining 1 tablespoon oil. Add eggs and stir with a spatula until scrambled and cooked through. Add salt and pepper.
Heat a cast iron skillet or griddle over medium high heat.
Lay wraps on work surface. Divide eggs between them. Top with onion mixture, beans, and cheese. Roll up tightly.
Place in hot pan and press down with spatula. Cook, turning once, until crisp on both sides, about 3 minutes per side.