Exactly, very large plane with the same material where i cut out a whole the size of the surface plane with a boole so they don't overlap. The edge is kind of hidden because of the dof on the camera
Unfortunately not really no. You could try this though: Depending on the complexity of the object you could animate it, put it in a null and make an instance of it which you put in a volume builder and kind of "slice" a layer out of it which is right below and slightly above the surface (by clipping it in the volume builder with a cube or something). This "slice" would then push against the surface from below but since it is clipped by the cube it wouldn't go high enough to penetrate the surface but since it is an instance of the other object it will follow the movement. I hope what I'm saying makes sense.
I wouldn't use this technique for large scale like oceans etc. Probably better to look in to xparticles, they have a good ocean simulator or alternatively Hot4D if you can make it work on your version of cinema 4D.
Great solution. Thank you! You will retain more viewers if you work faster and trim this down to just a few minutes or less. Mr Beast is a master at this. Viewers can stop and replay it if needed. Start the video by quickly describing your solution then quickly show us how. Cut cut cut!👍