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Alternatively, Guo (1945) proposes that it is an ancient loanword from languages of the south (which call it bia). Since the species of sea snail used as decoration and currency—Monetaria moneta (money cowry)—is not native to the eastern seashores of China, he proposes that cowries used by the ancient Chinese dynasties in Central China must have come from the southeastern shores of China and areas further south. Compare Malaybia(“cowry”), Thaiเบี้ย(bîia, “cowry shell; money”), Proto-Mon-Khmer*ɓa(a)j(“bean, small weight or coin”) > Khasisbâi(“cowry; shell; money”), Khmerពៃ(pɨy, “obsolete small coin”) (Schuessler, 2007).
(This etymology is missing or incomplete. Please add to it, or discuss it at the Etymology scriptorium. Particularly: “Middle Korean readings, if any”)