Kalmar "kudi cowrie" tana nufin wani nau'in ruwan teku da aka yi amfani da shi azaman kuɗi a sassa daban-daban na duniya, musamman a Afirka da Asiya. Harsashin cowrie yana da fili mai sheki da santsi da doguwar siffa mai kunkuntar, kuma ana yawan amfani da shi azaman kudi ne saboda karancinsa da karko. Kalmar "kudi cowrie" don haka ana nufin amfani da harsashi na saniya a matsayin nau'in kuɗi.