Add diced onions and sliced carrots to the pot and sweat until translucent (about 6 minutes) Reduce heat to medium-low.
Add garlic, tomatoes, stock, and beans. Stir to combine. Bring soup to a rolling boil.
When soup is boiling, lower the heat to low and continue to simmer for 30 minutes Before turning off the stove, add chopped kale and continue to cook for 5 minutes
Ladle into serving bowls and top with croutons, percorino or parmesan cheese (if using)