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GIven a monad on a symmetric monoidal category a sufficient (and necessary?) condition for the category of Alg(T) to have a symmetric monoidal product such that the forgetful functor preserves the tensor product is for the monad to be commutative/monoidal. See e.g. https://ncatlab.org/nlab/show/tensor+product+of+algebras+over+a+commutative+monad
What conditions do we require on the monad such that said tensor product is actually a coproduct?
I am thinking of the case where and is the free algebra monad ('symmetric algebra'). In this case , the tensor is a coproduct (so that the category of affine schemes inherits a product structure!).
Just to warn readers: you are using "free algebra" to mean "free commutative algebra" and to mean "commutative algebras over the field ".
Unless your algebras over a field are commutative it's not true that their tensor product is their coproduct.
One reason the tensor product of commutative algebras over a field is their coproduct is this: the category of commutative monoid objects in any symmetric monoidal category is cocartesian.
The only answers I can imagine to your question rely on this fact.
The answer you're looking for of turning the tensor product of the base category into a coproduct in the Eilenberg-Moore category is called a "comonoidal algebra modality", which is the dual of a "monoidal coalgebra modality" which is used in the categorical semantics of linear logic.
The dual of your result is found in these notes, where they explain how to show that tensor product in the base category turns into a product in the coEilenberg-Moore category
http://www.cs.man.ac.uk/~schalk/notes/llmodel.pdf
you can also find this result in many papers on categorical semantics of linear logic
This paper of mine with Blute, Cockett, and Seely also gives the full definition of monoidal coalgebra modalities and string diagrams:
https://arxiv.org/abs/1806.04804
we also talk about algebra modalities explicitly in this paper:
https://arxiv.org/pdf/1910.05617.pdf
and mention that the tensor product becomes a coproduct in the Eilenberg-Moore category.
Essentially, let be a symmetric monoidal category, with tensor and unit
A comonoidal algebra modality is:
Then the Eilenberg-Moore category of a comonoidal algebra modality is coCartesian where from the base category becomes a coproduct in the Eilenberg-Moore category.
John Baez said:
The only answers I can imagine to your question rely on this fact.
That's correct! There is a forgetful functor from the Eilenberg-Moore category of an algebra modality (part 1 and 2 above) to the category of commutative monoids. Then parts 3,4,5 allow us to say that the tensor product is in fact a coproduct
I talk about algebra modalities and how to turn their algebras into commutative monoids in this paper:
https://arxiv.org/pdf/1803.02304.pdf
If we assume the base category also has coproducts, it also follows from the fact that we have isomorphisms and , where is the coproduct and is the initial object.