If the "tiny spots inside" seem to have a spidery appearance or extension to them, it's fungus and should be removed as soon as possible before coatings are permanently damaged.
Post a picture if possible to allow to have a look.
Shining a lot of UV light through the lens might kill off any fungus. Using the light in broad sunny daylight will help. Also, always store a lens in dry conditions.
Painting of the edges of lens elements might chip over time, so there is a less serious alternative explanation to what you observe.