Obviously, Naruto and Moana would be the main characters. They are from their respective universes and would be the ones driving the story forward in a crossover. Their different personalities and abilities would create interesting interactions.
Besides Naruto and Moana, other characters could also play important roles. Maybe Pema from Naruto could come along and help with the medical needs in Moana's world if there are any injured people. And Maui from Moana could team up with Naruto for some epic battles. He could use his magic fishhook while Naruto uses his Rasengan.
It could be Orochimaru. Imagine he discovers the power of the ocean in Moana's world and wants to use it for his own dark experiments. He could start corrupting the sea creatures and causing chaos on Moana's island. Naruto, having faced Orochimaru before, would know his weaknesses and team up with Moana to stop him.
Harry and Moana would likely become fast friends. Harry would be intrigued by Moana's courage and determination, while Moana would be fascinated by Harry's magic. They would share their stories and learn from each other.
The main characters would be Naruto, Simba, and Mufasa. Naruto enters the Lion King world and meets Simba. But through some magical or spiritual connection, he also gets to interact with Mufasa's spirit. Mufasa's wisdom combined with Naruto's skills and Simba's leadership would form the core of the story. They would face challenges together, like threats to the Pride Lands or internal power struggles within the animal kingdom.
It could be about Naruto somehow ending up in Moana's world. Maybe he uses his ninja skills to help Moana on her journey to save her island. For example, Naruto could use his shadow clone jutsu to do multiple tasks at once like helping to repair damaged parts of the island while Moana focuses on finding the heart of Te Fiti.
Moana would likely be curious about the magic in Harry Potter's world. She might ask Harry to show her some spells, like the levitation charm. Harry, on the other hand, would be impressed by Moana's courage and her ability to sail across the ocean. He could learn from her about determination. Hermione might study the culture of Moana's island, and Moana could learn about Hermione's love for books and knowledge.
Moana would be very curious about the wizards' magic. She'd probably ask Harry a lot of questions like how his wand works. Harry, on the other hand, would be amazed by Moana's connection to the ocean. He might be a bit envious of her natural ability to navigate the seas. Hermione would be eager to learn about Moana's island's history and magic, and she'd probably take notes. Ron would be more interested in the food in Moana's world.
The main characters could also be Sasuke from Naruto and Gray from Fairy Tail. Sasuke's cool and brooding nature combined with his Sharingan abilities would be a draw. Gray's ice - make magic and his habit of accidentally stripping could add some humor. In the harem, characters like Ino from Naruto and Levy from Fairy Tail could be part of it. Ino's mind - control jutsu and Levy's intelligence with books and runes would bring different elements to the story.
Naruto and Ezra would likely be main characters. They are both young heroes on a journey of self - discovery.
One idea could be a Moana crossover with Frozen. Moana could end up in Arendelle due to a magical storm. She teams up with Elsa and Anna to stop an approaching iceberg that is threatening both her island and Arendelle. Moana's skills in sailing and her connection with the ocean could be combined with Elsa's ice powers to find a solution.
There are also those that pair Sakura from Naruto with Moana. The two strong - willed female characters can bond over their goals and face challenges together in the fan - created stories.