Ocean Floor Reflection with texture

Using a texture or even rendering the water itself, does anyone have any ideas/references on trying to create an ocean floor reflecting the sun? I want it to be a top-down view, so the surface of the water isn’t technically necessary as it wouldn’t be visible - I’m just not sure how to animate the light on the ocean floor as seen in the image.

What you are writing about is caustics, you should read this article:

Also this could be helpful as well:

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