Sauté the Aromatics: Heat olive oil in a large pot over medium heat. Add the chopped onion, carrot, and celery. Cook, stirring occasionally, until the vegetables soften and become fragrant—about 5 to 6 minutes.
Add Fresh Flavors: Stir in the minced garlic and grated ginger. Continue cooking for another 1 to 2 minutes, allowing the spices to release their aroma.
Toast the Spices: Sprinkle in the ground cumin, coriander, smoked paprika, thyme, and turmeric. Stir well and cook for about 1 minute, letting the spices bloom and deepen in flavor.
Combine the Main Ingredients: Add the rinsed black beans, pumpkin puree, diced tomatoes (with their juices), and vegetable broth. Stir everything together thoroughly.
Simmer to Meld Flavors: Bring the mixture to a gentle boil, then lower the heat to a simmer. Cover the pot and let it cook for 20 minutes, allowing the flavors to marry.
Finish with Creaminess and Zest: Remove the lid and pour in the coconut milk. Stir to incorporate and heat through until the soup simmers again. Remove from heat and stir in the fresh lime juice and chopped cilantro.
Season and Serve: Taste the soup and adjust seasoning with salt and pepper as needed. Serve warm, ideally paired with crunchy tortilla chips or your favorite bread.