Saltwater cultured pearls grow in the ocean's saltwater environment, including tropical atolls and lagoons. 

There are several types of these pearls, each with its own unique characteristics. Akoya pearls, known for their small size and classic white color, are mainly cultured in Japan and China. Tahitian pearls, with their unique black hues, come from French Polynesia. The large and luxurious South Sea pearls, famous for their stunning gold or white colors, are primarily produced in Australia and the Philippines.

Generally, saltwater pearls can be harvested after 18 months, but the higher-quality ones need to stay in the oyster longer to develop thicker layers of nacre. For example, South Sea and Tahitian pearls usually take between 2 to 3 years to fully form. 

Countries renowned for saltwater pearl production include Japan, China, Vietnam, Indonesia, Thailand, the Philippines, Australia, and French Polynesia. These pearls are renowned globally for their brilliant and enchanting luster, as well as their high-quality and precious nature. They are a source of fine jewelry and a sought-after item for jewelry collectors.