Place refried beans and salsa in a medium saucepan and warm over low heat, stirring often, until heated through. Gently stir in yoghurt and continue heating, stirring occasionally, until heated through again.
Garnish with shredded cheddar, scallions, and red onion to taste. Serve in a glass or ceramic bowl with a basket of tortilla chips.
Makes about 5 cups.
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