Cultured pearl is calcium carbonate and a fibrous protein called conchiolin. As the nacre builds up in layers of minute aragonite tablets, it fills the growing pearl sac and eventually forms a pearl. Natural pearls are formed by nature, more or less by chance. On the other hand, cultured pearls are human creations formed by inserting a tissue graft from a donor oyster, upon which a pearl sac forms, and the inner side precipitates calcium carbonate, in the form of nacre or "mother-of-pearl". The most popular and effective method for creating cultured pearls are made from the shells of freshwater river mussels
Pearl extensive and successful use of the Biwa Pearl Mussel is reflected in the name "Biwa pearls", a phrase which was at one time nearly synonymous with freshwater pearls in general. Since the time of peak production in 1971, when Biwa pearl farmers produced six tons of cultured pearls, pollution has caused the virtual extinction of the industry. Japanese pearl farmers recently cultured a hybrid pearl mussel – a cross between Biwa Pearl Mussels and a closely related species from China, "Hyriopsis cumingi", in Lake Kasumigaura. This industry has also nearly ceased production, due to pollution. Japanese pearl producers also invested