Well the most common pearls people use for jewelry and stuff are oyster pearls however it is common for other bivalves to form pearls as well. A pearl is basically the result of an irritation in the soft tissue of the shellfish. Because it is irritating, the body walls it off the irritation as a natural defense, sort of how our body can form abscesses to wall off infection. So the shellfish deposits shell material around the irritation preventing it from getting worse thus forming a pearl

Not all shellfish create white colored pearls either
