This work presents the development of a novel antifungal ternary approach that is eco-friendly, biocompatible, and cost-effective. It consists of Bryum argenteum extract, silver nanoparticles, and healing clay smectite. The research focuses on the green production of silver nanoparticles using an aqueous extract of Bryum argenteum as a stabilizing and reducing agent, as well as the synthesis of clay dispersion and plant extract. The silver nanoparticles were characterized by FTIR, SEM, UV–Vis spectroscopy, and XRD. Using a standard phytochemical screening procedure, the aqueous, ethanolic, and acetonic extracts of Bryum argenteum were subjected to phytochemical screening. Silver nanoparticles and plant extract were evaluated for their antioxidant properties using DPPH scavenging activity at 517 nm. Using the agar well diffusion method, a number of investigations have been conducted on the antifungal potential of the proposed innovative ternary approach against Rhizopus oryzae (R. oryzae) and Aspergillus Niger (A. Niger). The color shift validated the silver nanoparticle generation, and the maximum absorbance at 432.11 nm was observed employing UV–Vis spectroscopy. Several functional groups responsible for the synthesis of AgNPs were identified by Fourier transform infrared spectroscopy. The particles are spherical in shape, with the range of 10 nm to 50 nm in size. Both ethanolic and aqueous extracts of Bryum argenteum contain sterols, flavonoids, cardiac glycosides, and terpenoids. AgNPs have stronger antioxidant activity in comparison to the aqueous extract of Bryum argenteum. Out of all the individual components, AgNPs demonstrated the strongest antifungal activity, with clay and plant extract coming in second and third, respectively. Additionally, their binary composition exhibits a synergistic effect with each combination. However, the ternary combination consisting of smectite clay, Bryum argenteum mediated silver nanoparticles, and Bryum argenteum extract showed exceptional antifungal efficiency against the mentioned fungus species. In respect to the zone of inhibition, the maximal antifungal activity was correlated with concentration and pH. ConclusionIt is concluded here that the proposed ternary system has significant antifungal potential. Future technological and medicinal studies will find this new ternary system to be an invaluable tool.