Simplified from 貨 (貝 → 贝).
In current form, Phono-semantic compound (形聲): phonetic 化 + semantic 贝 (“shell, money”) – valuable goods. 化 means “change”, so also connotation of “valuable goods that are exchanged, commodities”.
货 (radical 154 贝+4, 8 strokes, cangjie input 人心月人 (OPBO), composition ⿱化贝)
|For pronunciation and definitions of 货 – see 貨.
(This term, 货, is the simplified form of 貨.)