If it's a fungus. best bet is to spray a little potassium bicarbonate, or baking soda if that's not available, on the tree trunk.
If it ends up being moss (which would be very unusual on a tree that small that isn't in heavy shade) this won't affect it.
_________________ Shepherd of the Trees
It is not our part to master all the tides of the world, but to do what is in us for the succor of those years wherein we are set, uprooting the evil in the fields we know so that those who live after may have clean earth to till.
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