Small island formed on the surface of a coral reef
A cay ( KEE, KAY), also spelled caye or key, is a small, low-elevation, sandy island on the surface of a coral reef. Cays occur in tropical environments throughout the Pacific, Atlantic, and Indian oceans, including in the Caribbean and on the Great Barrier Reef and Belize Barrier Reef. Etymology. The Taíno word for "island", cairi, became cayo in Spanish and "cay" in English (spelled "key" in American English). Formation and composition.
https://en.wikipedia.org/wiki/Cay