Never too late. I'd suggest to look at the Wrapped Hive videos and get a small quantity of WHive from your Hive and then swap it into one of the new Defi protocols token as Aave (LEND).
First, you will learn with a small amount, second, you will have a chance to diversify your portfolio and third, you will invest in one of the tokens who is experimenting a nice pump as all the Defi ones are experimenting.
I believe we are far away from reaching tops, Defi offers a nice way to avoid KYC required by most centralized exchanges and offers many ways to gain income for users providing liquidity, that is one of the reasons it is growing so strongly.
What are the main DeFi tokens are out there now?
They are pumping every week but right now there is LEND
Balancer and one that is doing incredibly great are Yearn Finance, but I am not familiar with it and have to go deeply into its whitepaper of explaining videos.
All of them run in the Ethereum Blockchain which is the one you can access through WHive.
You can take a look at this site where there is info of all the Defi protocols and tokens
https://defipulse.com/
It is a whole new world, that is why I recommend starting very small in just one protocol as Aave purchasing some LEND and from there, start learning and understanding before investing some more or getting into other projects. But the fact that is a participatory new way of offering finance is creating this growth explosion. Just two days ago, Uniswap volume exceeded that of Coinbase.