The setup is available free of charge for you to play around with.
Take a look at this disgustingly delightful procedural mold generator created by Ilyasse L, a 3D Generalist specializing in Blender. Powered by Geometry Nodes, the shader lets you easily cover your 3D models with incredibly off-putting mold, with the bonus ability to subtly deform them for enhanced realism.
The creator also showcased the node graph behind the project revealing how the generator was set up:
You can download the file for free and play around with the setup yourself by visiting the artist's Gumroad page. We also highly recommend checking out Ilyasse's Twitter page to see more of the author's awesome works.
And here are some tutorials on creating mold/fungus materials in Blender:
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