He snaps until she's naked.

"Huh, that's weird," Luffy smirked, and snapped again. Kaya froze before she began to work on her skirt.

"Oh my... This is so embarrassing," she said as she unzipped the side of said garment, before letting it drop to the ground, now standing in her sandals, bra and panties.

"I dunno, you look quite pretty," Luffy grinned at her, before snapping his fingers again, and she gave a soft smile as she kicked off her sandals, choosing to go barefoot over exposing her breasts or pussy.

"T-thanks," she replied, going a bit red. He snapped a fourth time, and her hands drew up behind her back. "Eep!" she blushed furiously as she unclipped her bra, and let it fall to the ground, her breasts jiggling as they were freed. She immediately crossed her arms over her chest, looking away from Luffy in embarrassment.

He then proceeded to snap his fingers a final time, causing her to stiffen and shiver a bit before her hands drew away from her chest to hook into her panties. She slowly slid them down, unable to resist the compulsion to get fully naked before Luffy, and they glided down her thighs, then her calves, before she finally stepped out of them.

Now completely nude, she crossed one arm over her boobs again, and put her other hand over her crotch. "I... I think we should head back, don't you think?" she laughed a bit nervously.

"Maybe, but I'm pretty comfortable," Luffy grinned mischievously, preparing to snap his fingers again to see what happened.