Electrochemical bioassays that rely on sensor interfaces based on immobilized DNA probes often encounter challenges such as complex fabrication processes and limited binding efficiency. In this study, we developed a novel electrochemical bioassay that bypasses the need for probe immobilization by employing a solution-phase nucleic acid reaction to create interfacial barriers on unmodified electrodes, enabling rapid, just-in-time sensor interface formation. Specifically, a 3 '-phosphorylated recognition probe was used to identify the target microRNA-21 (miR-21), followed by target recycling facilitated by duplex-specific nuclease (DSN), which resulted in extensive hydrolysis of the recognition probe into DNA fragments with 3 '-hydroxyl ends. These fragments were then extended by terminal deoxynucleotidyl transferase (TdT) to form long poly(A) tails. The extended products hybridized with a thiolated assembly probe rich in thymine bases and subsequently assembled on the unmodified gold electrode (AuE) surface, creating a "barrier effect" that hindered the adsorption of streptavidin-HRP (SA-HRP) on the AuE, generating a detectable electrochemical signal. This method demonstrated excellent analytical performance, with a linear detection range from 10 fM to 10 nM and a detection limit as low as 4.3 fM. Moreover, the assay was successfully applied to detect miR-21 in real biological samples, including cell lines and bladder urothelial carcinoma surgical resection specimens, showing strong concordance with RT-qPCR results. The developed method offers a new approach for establishing electrochemical bioassays without the need for pre-immobilization of probes and with minimal reagent use, presenting a promising tool for clinical diagnostics and cancer research.