From my understanding of the question, you are using an identity provider which provides you with access token and refresh token for the users. That means it is a authentication as a service REST API at works here.
The REST API requires an authorisation header to be passed along with the username-password to exchange for access token and refresh token for the users. (correct me if I'm wrong) In this case, you might want to keep the authorisation header away from the users (consult the authentication as a service documentation).
You call the REST API with payloads (the user-password) along with headers like this:
Authorization: ACCESS_TOKEN
However the ACCESS_TOKEN is the one provided by the vendor for you to use the REST API. On success call of the REST API, it should return you with a set of access token and refresh token. You can then use this access token and refresh token to safe guard your own API, API that you control to provide service to your users.
The access token and refresh token might just be JWT tokens (again consult the vendor documentation).
Also if you are using an authentication as a service REST API, check the documentation if they provide a client sdk. In that case, it should show you the best practise of handling the access token and refresh token it returned.