include defi open problems in PESTLE

README.md

@@ -128,3 +128,13 @@ Other:
 >* Clear and adequate information to the user;
 >* Appropriate human oversight measures to minimise risk;
 >* High level of robustness, security and accuracy."
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+[A list of open problems in DeFi](https://mirror.xyz/0xemperor.eth/0guEj0CYt5V8J5AKur2_UNKyOhONr1QJaG4NGDF0YoQ?utm_source=tldrnewsletter)
+* Automated risk scoring of lending borrowing pools -> Increasingly important problem
+  *  One alternative way of looking at the problem would be, looking at a function for calculating the probability of default given the pool of assets you have.
+* Managing Risk for lenders and distributing risk/ Undercollateralized Loans
+  *  Tradfi is plagued by NPAs but still ultimately fall back to some sort of credit score establishment [[Spectral finance](https://www.spectral.finance/) solving this, but still an open problem].
+  *  But still, most credit score methods would rely on onchain history for credit establishment, we are moving towards privacy-centric defi is this approach extendable to that idea? [Homomorphic encryption could provide a solution]
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