Natural Pearls
A natural pearl forms when some foreign matter enters the body of a mollusk. The mollusk deposits layers of nacre over the intruder to soothe the irritation.
Saltwater Cultured Pearl
Saltwater cultured pearls form when a bead nucleus and a piece of mantle tissue are inserted into the mollusk. This process is called bead nucleation. The mollusk first deposits a layer of conchiolin over the bead nucleus. It then deposits nacre, which is composed of platelets of aragonite.
Freshwater Cultured Pearl
For freshwater cultured pearls, the culturing process starts when a piece of mantle tissue is inserted into the mussel. This is called tissue nucleation. Although a bead isn't inserted, the host mollusk reacts to the intruding tissue in the same manner as with bead nucleation. First it secretes a layer of conchiolin, then layers of nacre. Freshwater pearls are almost entirely nacre.