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.
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.
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.
A cool plot could be that a dark force from Naruto's world has found a way into Moana's world. Naruto, with his knowledge of fighting evil, and Moana, with her knowledge of the local terrain and the ocean, must work together. Naruto might be a bit clumsy at first with the whole sailing thing, but his combat skills are invaluable. Moana, on the other hand, can communicate with the ocean to get them out of tight spots, and together they defeat the dark force.
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.
Imagine a fanfiction where Moana and the Little Mermaid embark on an adventure to a mysterious island in the middle of the ocean. This island is said to hold the key to a powerful magic that can heal any damage to the ocean. Moana would be excited to explore the island, while Ariel would be a bit more hesitant as she is used to the underwater world. But once they land, they discover that the island is full of strange and wonderful things. They meet creatures that are part - plant, part - animal, and they have to solve puzzles to get closer to the magic. Their different perspectives and skills would make this a thrilling and unique adventure.
One possible plot could be that Moana's island is threatened by dark magic from the Harry Potter universe. Harry, Hermione, and Ron could be transported to Moana's world while on a mission to stop the spread of this dark magic. They would team up with Moana to use her knowledge of the ocean and the island's magic, along with their own wizarding skills, to fight off the dark forces. Maybe they'd have to face off against a wizard who has enchanted some of the sea monsters in Moana's world.
If it's a Moana and Hercules crossover, Hercules would be a great addition. His super strength could help Moana in situations where physical power is needed, like moving large obstacles in her path. Also, Philoctetes could be there to train Moana in some combat skills, adding an interesting dynamic to the story.
Another concept could be a crossover where some of Naruto's friends like Sasuke or Sakura also end up in Moana's world. They all form a team with Moana and her friends to fight against a dark force that is trying to take over the ocean and the land.
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.