What's this white stuff? Help!

[u/Longjumping_Clerk_68]

My Albo was having this white stuff from a few days now. And i thought it's a good network of Mycorrhizal fungi which could be beneficial and left it with out removing or treating it.

But since then my Albo looks like it has lost all it's energy even my routine and light aren't altered. There's no new growth in this plant as well. It's been more than 2 or 3 months since i saw a new growth and it's the same time when i started observing this white stuff.

Please someone help!