Is this lichen or some other fungus on my palm tree?

I was pulling weeds and noticed the trunk of this palm tree in my backyard has a lot of moss on it. A google search described lichen but I’m not sure it looks the same as what the images of lichen on a palm tree trunk were showing. Can anyone confirm if this in fact lichen or a more harmful moss on my palm tree? I’m not sure what kind of palm tree this is either if anyone knows. I’m in north Florida.