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Are JAY Z and BEYONCÉ gearing up to . . . split apart?  The rumors are building that they'll divorce after their On the Run tour ends later this summer.


One website laid the whole thing out like this . . . quote, "This high-profile marriage is just a business arrangement . . . [and it] will wind down after their current project is finished.


"They are splitting up everything (properties, money, children) right now, but will be keeping up appearances until the announcement.  They are separating this year, with the divorce to follow in about six months.


"It will be very clean and very fast.  In fact, the parties involved are describing the timeline as "Tom Cruise/Katie Holmes fast.