货贝（又称黄宝螺，俗名白贝齿，学名：Monetaria moneta，旧名Cypraea moneta）是小型海螺的一个物种，为宝贝科货贝属的一种腹足纲软体动物。

货贝广泛分布于太平洋和印度洋的暖水区，多生活在潮间带中、低潮区，浅水的池塘内，退潮后，常隐藏在礁石块下面或礁石缝隙内，属于暖海产。

货贝的模式产地是马尔代夫岛。

该物种被称为“货贝”是因为其贝壳在金属货币广泛使用之前曾被很多太平洋及印度洋国家用作交换媒介，为一种常见的原始货币。

Monetaria moneta, common name the money cowry, is a species of small sea snail, a marine gastropod mollusk in the family Cypraeidae, the cowries.

This species is called "money cowry" because the shells were historically widely used in many Pacific and Indian Ocean countries as shell money before coinage was in common usage.