The separation of cardiovascular sounds is a critical task in biomedical signal processing. In this paper, we introduce XVAE-WMT1, an unsupervised explainable generative AI algorithm combining a variational autoencoder (VAE) with explainable AI (XAI), wavelet-based inputs, a post-hoc output mask, and temporal consistency (TC) loss. Unlike existing supervised and VAE-based methods that rely on Short-Time Fourier Transform (STFT) and ignore latent interpretability, XVAE-WMT requires no paired clean recordings and integrates a Continuous Wavelet Transform (CWT) front-end for superior time-frequency localization. We assessed the latent space interpretability via different metrics, with SHAP (SHapley Additive exPlanations) enabling dimensionality reduction to the top 75% of latent features while preserving separation quality. Evaluated across two datasets using Signal-to-Distortion Ratio (SDR), Signal-to-Interference Ratio (SIR), and Signal-to-Artifacts Ratio (SAR), XVAE-WMT attains 26.8 dB SDR, 32.8 dB SIR, and 28.6 dB SAR.

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