Heat a large pot or dutch oven over medium-high heat. Add the cumin seeds and toast, stirring constantly, until the seeds are fragrant (about 2 minutes). Add the vegetable or coconut oil, then the onions, bell pepper and garlic. Saute' for 5-6 minutes until vegetables have softened a little.
Add the chili powder, smoked paprika, cayenne and season with a pinch of salt. Stir the spices into the vegetables for a couple of minutes to bloom them.
Add the butternut squash, beans, crushed tomatoes, water, maple syrup and oregano. Season with a big pinch of salt. Bring to a boil. Reduce heat and simmer, uncovered for 25-30 minutes or until thickened and butternut squash is tender. (If additional cooking time is needed, cover and simmer to avoid over-thickening. Add more water, if needed.)
For the last 5 minutes of cook time, stir in the corn. Off heat, add the lime juice and cilantro (if using). Taste and adjust seasoning. Ladle into bowls and garnish with desired toppings.