If there is a whitish or gray coating on the leaves of the penny tree, it may be powdery mildew. However, this fungal disease only occurs if you pull the money tree outside in summer and it is too damp there.

Recognizing and treating powdery mildew on the money tree
It is easy to determine whether a money tree is affected by powdery mildew. The leaves are covered with a whitish or gray coating that looks like mold. In the early stages, it can be stripped off by hand.
Mildew infestation is rare. The fungal spores can only spread if the money tree is kept outside in a very humid location in summer.
Provide a spot in direct sunlight and prevent the plant from getting too much water.
tips
If small white webs appear on the leaves of the penny tree, it is mealybugs. In addition, the leaves are slightly sticky.