What my growmie has missed is that it HAS germinated! And that's good... I don't see any problem here - the white "mold" you're seeing is most likely just mychorizzae fungus which is a beneficial fungus and nothing to worry about. But don't keep the soil soaking... allow it to dry out a bit before giving it more water. Overwatering (the state of being constantly wet) will kill off a young seedling very quickly.
Good luck!
Hi, yes it's day 11 and it still hasn't broken out of its shell, something is wrong. It should already be a seedling entering the vegetative stage. If you want, go ahead with your germination, I would be worried, good luck.