Rinse and drain the kidney beans, chickpeas, and black beans if using canned varieties. Prepare the lentils and quinoa as needed if not using pre-cooked versions.
In a large pot, sauté the diced onion, garlic, and carrots over medium heat until softened, about 3-4 minutes.
Add the cumin powder, smoked paprika, bay leaf, salt, and pepper; stir for about 30 seconds until fragrant.
Mix in the cooked lentils, kidney beans, chickpeas, and black beans. If using additional liquid (water or low-sodium vegetable broth), add about 1 cup to create a stew consistency.
Bring the mixture to a simmer and allow it to cook for 10 minutes so the flavors meld.
Fold in the cooked quinoa and let it warm through for another 2 minutes.
Taste and adjust seasonings as needed. Remove the bay leaf before serving.
Serve hot and enjoy your hearty, protein-packed stew.