How to change difficulty in Diablo 4
Briefly

Normal difficulty in Diablo 4 provides a balanced experience aimed at both new and returning players, making it suitable for early game exploration without overwhelming challenges.
Hard difficulty rewards experienced players with a 75% increase in experience and gold, posing a balance between challenge and reward that is crucial for progression.
Expert difficulty is designed for seasoned players with Legendary items, providing significant rewards of 125% bonus XP and gold, but it's advisable to attempt this only after reaching level 60.
The Vessel of Hatred expansion reworks the difficulty systems in Diablo 4, introducing a layered challenge with eight difficulty settings, enhancing gameplay for both novices and veterans.
Read at Polygon
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