DeFi Dapps are open networks to access anyone. Anybody can choose to trade, lend, borrow, deposit, invest or make a transaction without the requirement for a financial institution as central authority or Middleman. Instead, the role of the central authority system is replaced by decentralized smart contract protocols. The only important thing you need is internet services, a computer system or smartphone, and a proper wallet. Most of the ETH wallets run for this, for example, Metamask.
The reality is that all protocols are open-source systems that benefit anyone to create a new financial product on top of them. Blockchain Experts worldwide can collaborate to build new products that lead to quicker innovation and a highly secure network.