The crossword solution for the term 'IT HAS A SHELL' is PIE, which is a three-letter word. PIE is a type of food that is usually made with a pastry dough crust and filled with a variety of sweet or savory ingredients. It is often served as a dessert, but can also be served as a main dish. The pastry dough crust is usually made with flour, butter, and water, and is then baked in an oven to create the shell.