Music generator with stem separation

If you want an AI music generator that doesn't trap your creation inside a single flat audio file, you have a few solid options depending on whether you want to generate from scratch and export stems, or use a collaborative workspace built explicitly around multi-track audio.youtube.com+1

• Loudly AI Music Generator : An AI-powered platform focused on electronic and instrumental production that lets you generate full tracks and directly export multitrack stems (WAV format) for your DAW session.loudly.com
• Suno : On higher-tier paid plans (Pro/Premier), Suno features a "Get Stems/MIDI" option in the song menu. It uses internal separation to let you download isolated audio stems (like vocals vs. instrumental or multi-stem breakdowns) alongside basic MIDI.youtube.com+1
• Moises AI Studio : Rather than just being a standard text-to-song prompt machine, Moises operates as an AI-driven workspace where you can generate, record, or build complementary instrumental tracks (drums, bass, keys, vocals) and export individual stems or full mixes in WAV.youtube.com
• The Two-Step Hybrid Method (Generation + Splitter): Many producers generate a master track on platforms like Udio or Suno, and then run the flat audio file through a dedicated, high-end AI stem separator like LALAL.AI Stem Splitter or SplitMySong to cleanly fracture the mix into isolated vocal, bass, drum, and synth tracks.songscription.ai+2

If you want to narrow this down, let me know:

• Are you looking for text-to-song generation (like pop/vocals) or electronic/instrumental production?
• Do you already have a DAW (like Ableton, Logic, FL Studio) where you plan to drop these stems?