I would like to remind you that there are around 3 commonly used saturn streaming audio formats.
PCM - From what I know of, just raw adpcm data.
AIFF - Same as the popular mac audio format.
CD-XA - Supposedly very similiar to what the PSX uses, but I have noticed that some saturn games won't work with any of the xa tools out there(Langrisser III would come to mind).
CD Audio isn't considered a streaming audio format(at least according to their docs

)
Identifying which format you're dealing with shouldn't be too much of a problem, as they usually keep it standard(like .pcm for pcm, .aif for aiff, .xa for CD-XA, etc.). But if you don't see anything like that, just open up your trusty hex editor and look at the first 20 bytes or so of each file.
Cyber Warrior X
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Ah yes, also forgot to mention adx as well.
(Edited by CyberWarriorX at 2:41 pm on Feb. 8, 2002)